Are you a dog owner? If so, do you know your coverage in case of a dog bite? Dogs are territorial animals and even the sweetest dog might come up with a good reason for deciding to take a bite out of a visitor, neighbor, or even a burglar. If your dog causes injury, damage, or loss, YOU are liable! Even if Cujo is doing his job and keeping you safe, a thief could still take you to court over his medical bills — and win! Here’s what you need to know to make sure you’re covered in these types of events.
Most homeowner’s or renter’s insurance policies cover liability for dog bites and dog-related damages. Some, however, exclude bites, or certain types of dogs, or put other limitations on the money they will pay in a claim.
There are 3 types of insurance solutions for inadequately insured dog owners. An umbrella policy provides liability coverage for injuries, damages, and losses that are not covered by primary insurance. An excess policy provides a higher policy limit for losses that ARE covered by primary insurance. Canine liability insures dogs or people who can’t get coverage any other way
Uninsured or underinsured dog owners can face major consequences in the event of a dog bit, up to and including the loss of their homes. Make sure you know what your policy says about dogs, and that you are properly insured!
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