Does the personal property insurance incorporate my hounddog Rover or my pet bird Tweety?
Negative, the harm Rover and your bird do in your personal possessions is your responsibility (or theirs, if you could persuade them). Your online home insurances does most of the time cover the damage your hounddog causes to someone else, though. Though in case your hound is, say, a pit bull, you should check your insurance policy. Some home insurance companies keep out coverage of potentially unsafe species.
