With that said, having the extra insurance can be very beneficial if you find yourself in an accident or without coverage for certain things like animal damage or stolen parts. (comprehensivecarinsuranceguide.com)
If you want to know if you are covered from animal damages, the fastest way is to call your insurance provider to double check. (4autoinsurancequote.com)
However, it would always be in your best interest to verify your company's stance on animal damage coverage. (rentersinsurance.net)