Final answer:
Animals are generally not covered as personal property under a homeowners insurance policy, but there may be liability protection unless the animals are used for business purposes or are considered exotic or dangerous.
Step-by-step explanation:
The coverage of animals under a homeowners insurance policy can depend on the specific terms and conditions of the policy in question. Generally, most traditional homeowners insurance policies do not cover animals as personal property, but they may provide liability protection if your pet injures someone or causes property damage. However, certain types of animals, especially those used for business purposes or certain exotic or dangerous pets, may not be covered under standard liability provisions. To ensure coverage for animals, specialized policies or endorsements may be required.