Tag Archives: insurance for dog bites

insurance for dog bites

Why Buy a Dog Bite Policy

Many pet owners may wonder why they should consider insurance for dog bites. The policies are typically focused on the individual animal, not what some cities and municipalities call dangerous breeds. With more than one-third of liability claims being dog related, choosing an insurance policy to specifically cover a dog is often a smart decision.

A Dog Bite Policy Can Provide Additional Coverage

Many homeowner’s and renter’s policies may either limit coverage or specifically exclude damages arising from dogs. Most coverage usually caps at $25,000. With an average dog injury claim of $32,000, even a small incident could leave owners on the hook for a large sum. Most dog bite policies can range from $200 to $400 per year per dog.

Insurance for Dog Bites Can Cover More Than Nips

While many canine liability policies are often thought of as only for dog bites, the reality is that an owner can be held liable for any injury or damage a dog causes. Here are a few things a dog-specific supplemental policy can cover:

  • Bites
  • Scratches
  • Falls caused by a dog or leash
  • Car accidents caused by a dog

Employers and Landlords Can Have Peace of Mind

Insurance for dog bites can provide legal and medical coverage arising from a lawsuit. Many landlords and employers are generally more willing to have Fido on the premises when an owner names them as additional insured.

insurance for dog bites

3 Reasons Why You Need Dog Bite Insurance

If you own a canine or are looking to get one, you should consider purchasing insurance for dog bites. Regardless of breed or whether your pet has a history of biting, this type of coverage can benefit you in the long run. Here are three reasons why:

1. Medical Expense Coverage

Even the friendliest of canines can be pushed past their breaking point and react by biting someone. If this does happen, dog bite insurance can cover any medical expenses needed to treat the injury.

2. Required by Landlord

Many landlords require that you obtain liability insurance before you can sign a lease or move in. If you are looking to rent, obtaining dog bite coverage now can save you time later and help you get the place you want.

3. Restricted Breed Coverage

Many homeowners and renters policies have restrictions for which breeds they include under their animal liability. These often include German Shepherds, Pit Bulls and Rottweilers. Insurance for dog bites can cover your canine even if it is excluded from your other policies.

Not only can dog bite insurance save you from paying medical or legal bills, but it can also give you peace of mind. Protect yourself and your canine by purchasing this type of coverage.