Bear sightings are not uncommon in certain Pennsylvania and New Jersey areas. However, are you unsure whether or not your home would be protected for any damage that might occur if a bear stumbles across your home? If you have homeowners insurance coverage, the answer is yes.
Bear attacks on your home should be covered under your insurance policy's "malicious mischief or vandalism" protection. The same protection can also be applied to any vehicles you might own if you have comprehensive coverage included in your auto insurance policy.
It is important to be aware of bear sighting warnings in your area. If you were to invite guests to your home while a warning was in effect and they were injured, you would not be covered.
Resources: CBS Philly
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