Does your current homeowner insurance cover dog bites

May 1, 2022

Does your current homeowner insurance cover dog bites

insurance companies see pets as property. If your beloved fido bite your neightbor or accidently slip or fall on your property. you will be responsible. Dog incidents are more common than you might think . Every year, roughly 500 people in Florida suffer dog bites that require hospitalization. .

Therefore if your dog bites Homeowners insurance policies provide financial protection in case of unexpected event. If your dog were to bite someone who does not live in the home with you, like a friend or neighbor, the liability coverage on your homeowners insurance policy may extend coverage to help cover the medical costs if you are found legally liable. Liability coverage may also cover legal fees and court judgments from the lawsuit.

However, Did you know that your homeowner's policy may exclude your beloved pet? That right, according to most insurance companies the following breeds are excluded from homeowners policies:

Pit Bulls & Staffordshire Terriers

Doberman Pinschers

Rottweilers

Chows

Great Danes

Presa Canarios

Akitas

Alaskan Malamutes

German Shepards

Siberian-Huskies

Wolf-Huskies

or Mix of any of the above

Not all dog claims are due to dog aggression or dog bites. There might be other instances that your pet may be liable for another's injury.

If you have a restricted dog breed you might attempt:

1. Obtaining an exemption from the insurance company

2. Look for new Insurance Carriers

3. Accept the dog exclusion

4. Buy an umbrella liability policy - Some Umbrella policies will cover liability for dog bites.

5. Buy a standalone "Canine Liability Policy"

We encourage you to read your insurance policy thoroughly to know what is covered. Protect yourself and your family from a claim.

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