Does the personal property replacement cost endorsement cover pets?

The personal property replacement cost endorsement is focused on providing coverage for personal belongings in the event of a loss. This endorsement typically covers items such as furniture, electronics, clothing, and other tangible personal property. However, pets are not considered personal property under most insurance policies, including this endorsement.

Pets are often seen as part of the family and are generally categorized separately from the standard personal property that insurance covers. Therefore, in the context of this question, the endorsement does not provide coverage for pets. This understanding aligns with the general principles of personal lines insurance, which distinguishes between personal property and living beings.