Can Snakes/Reptiles Be Insured?

[Damage, Inc.]

I used to work in insurance and posted this a few places years and years ago... this info might help you out (copy/pasted below). Also as Jordan says, usually not a good idea to bring it up to your normal home insurance agent as they can cancel your coverage or write in an exclusion, usually exotics (and pets in general) are not covered. Read your declaration's page carefully, it'll probably have the answers in there you need.

Copy/paste from old post:
What you may need to do is consider livestock insurance. The company that provided this quote (back in the early 2000s) was Lloyds of London underwritten by Crowe Livestock Underwriting Limited, quoted through a brokerage I used to work for.

I had always heard Lloyds of London was the only avenue available. I finally was able to get an example of costs, so I thought I would share!

For example… to insure a collection of ball pythons in the amount of $300,000 for Mortality and Theft coverage, with an annual aggregate deductible of $10,000, the yearly premium would be approximately $11,500. Of
course lower deductibles increase the annual premium cost and higher deductibles lower it. A 1% deductible (in this example, that would be a $30,000 deductible) the yearly premium drops to approximately $5,000.

Again, please note, the example above is just that… an example. Lloyds evaluates each collection on a case by case basis. The application for the insurance is very thorough, asking for the type, age/hatch date, breeder, markings, etc. It also asks for detailed information about their security, caging and health. All of those factors as well as some additional considerations are what determine the actual price. I just thought it would be nice to provide an example of a quote. Obviously this is something made for people with large collections and in general is not cost effective for someone with only a few snakes.I just thought this was interesting!

Hello Everyone,
I am an insurance agent and I can confirm all of the info listed here is correct, with the exception that your declarations page will not list out any of the exclusions listed within your Homeowners policy. There is a separate section within the policy that covers all the exclusions.
It can be rather expensive and these policies are typically written for Livestock, Cattle, Dogs(i.e. Police Dog, Service Dog), and Exotic Zoo animals. More of your high dollar individual animals. Great info!!!!