Is there insurance if your belonging is damaged at a client's house?

During one of my overnight stays at my client's house, their dog destroyed something of mine that is rather expensive to replace. However, they are repeat customers and probably life-long customers at that. I didn't want to tell them because I didn't want them to blame me/accuse me/pay out of pocket. My dad was rather upset that I didn't say anything because of the cost of the item. He said I should tell them because their homeowner's insurance would probably cover it. But again, if their insurance didn't cover it and/or they didn't want to file a claim, I didn't want them to pay out of pocket and possibly decide to find another sitter. Suggestions? Has anyone ever dealt with this? The item wasn't exactly in a spot that I thought the dog could get at but then again, the next day he got into the deep sunken sink and pulled out a heavy, ceramic dish and threw it on the floor! Needless to say, I've learned that this particular dog can get to anything, anywhere!!