Under a special form dwelling policy, what reimbursement can an insured expect for losses caused by their pet?

In a special form dwelling policy, reimbursement for damages caused by the insured's pet is not covered. This policy typically includes specific exclusions related to personal liability and property damage caused by pets owned by the insured. The rationale behind this exclusion is that pets can cause various types of damage, and the insurance policy is designed to cover losses from external factors or accidents, rather than those arising from the actions of a pet.

This clear delineation helps to manage risk for the insurer, as pet-related incidents can vary widely in their nature and impact. By not covering damages caused by pets, insurance policies can maintain more consistent rates and limits of coverage for other types of losses that are more predictable. Thus, the expectation of no reimbursement for damages caused by a pet aligns closely with the standard practices in dwelling insurance policies.