Not all home insurance policies will provide coverage for dog bite liability.
If you got a new dog during the holidays, you are probably caught up in making sure your new pooch is potty trained and has all they need to feel loved. Before you start inviting all of your friends and family over to meet your new furry family member, you need to take the time to figure out what your new dog will mean for your insurance policies.
Even the most well-behaved dogs can get aggressive when they feel threatened or cornered, leading them to bite. If your beloved pet does bite someone, you will be held responsible for the injuries. If you are thinking that you can simply make a liability claim to your homeowners insurance company, think again.
If your home insurance company doesn’t know you have a dog, they will most likely deny a dog bite liability claim. Before you welcome the dog into your house, make a call to your insurance agent to ensure you will be covered. Depending on the type of dog you are bringing home, you may have to invest in a separate dog bite liability insurance policy.
One of the most common reasons you would need a separate dog liability insurance policy is if you have an “aggressive” dog. Most insurance companies have a list of “dangerous dogs,” which typically include Rottweilers, Wolf Hybrids, Doberman Pinschers, Pit Bulls, and Huskys just to name a few. You may also need a separate dog bite liability policy if your dog has bitten anyone in the past, no matter their breed.
When looking for the right insurance policies to protect all members of your family, including those with four legs, contact Perry & Carroll in Elmira, New York. We will work with you to ensure you have the protection that you deserve, all at the right price to fit your budget.