Your insurance policy will not cover damage to your own property caused by your animal. That is not technically accidental.
Your insurance might cover damage caused to your home/personal property caused by another animal. It will depend upon the type of homeowners policy you have and whether that damage is excluded by endorsement or not covered at all.
If you are talking about animal damage to another person because of a bite, then that will be something covered by your homeowners liability UNLESS the dog has a known history of biting others.
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Your insurance policy will not cover damage to your own property caused by your animal. That is not technically accidental.
Your insurance might cover damage caused to your home/personal property caused by another animal. It will depend upon the type of homeowners policy you have and whether that damage is excluded by endorsement or not covered at all.
If you are talking about animal damage to another person because of a bite, then that will be something covered by your homeowners liability UNLESS the dog has a known history of biting others.
I hope this helps.