really gross, sickening story

That's not that bad. I had a neighbor who listened to nickleback at all hours of the night.
 
"deer crash through his window and spew blood and intestines all over the floors, walls and furniture before collapsing and dying inside of the house. Guess what? His insurance didn't cover this either."

The better homeowners policies sold in Texas provide all risk/open perils coverage on the dwelling. These policies usually cover damage to the structure caused by most animals, as long as its not your animal. Only the best policies would cover the damage to the contents caused by an animal.
 

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