Dog bites can be a quick and costly expense for pet owner’s. Many homeowners’ policies include liability coverage for dog bites. However, sometimes the liability limits on a homeowners policy is not enough to cover any serious injuries.
One option to protect both you and your pet would be to get an umbrella policy. An umbrella policy provides you with any additional liability coverage that you may need. There are several benefits to having an umbrella policy and liability coverage for your pet is just one of them. Click here to see the additional benefits of having an umbrella policy.
If you are not interested in getting an umbrella policy– then a separate liability policy for your pet might be a good option. Many people do not need to get a separate policy unless there has been a biting occurrence more than once. Also, you may need a separate policy if your dog was deemed “dangerous” by a judge or animal control department.
You’re definitely going to want to consider one of the above options if:
• Your dog has injured somebody more than once
• Your homeowners policy has certain exclusions on pet liability
• Your homeowners policy excludes your dogs breed
• Your landlord requires you to have a policy
• Your state requires you to have a policy
You can contact any of our agent’s here at Community Insurance & Associates to see what type of pet owner’s liability coverage you have. Depending on your policy type you may need to look into additional coverage or an umbrella policy.