Liability Insurance for Animal Owners

Lets face it. Americans love animals, especially dogs. Most pet owners are unaware of the liability that having their furry friend entails. We have all seen the news stories where a child, innocent person, mailman or deliveryman was attacked by a pet owners dog. Whether the attack was provoked or unprovoked, it doesn’t matter. When your dog attacks an individual or another animal, will you be protected in case of lawsuit to cover medical or veterinarian expenses?

Every year, there are over four million dog bites in American, which makes dog bit claims that highest type of claim for those with homeowners insurance. Because of the high number of bites and the excessive number of claims, many insurance companies have cut down on the number of dog bite policies or limiting coverage altogether. In fact, there are even specific breeds of dogs that most insurance companies will not even consider covering as part of your homeowner insurance policies.

The most common dog breeds that are usually excluded from homeowner’s insurance policies are:

• Rottweiler
• Doberman Pinscher
• Wolf hybrids
• Pit Bulls
• Akitas
• Chow Chows
• German Shepherds

Even though owners of the breeds mentioned above love their breeds and may feel that they would never harm anyone, it is still important to have animal liability insurance or dog bite coverage that will protect them in case the unexpected attack were to occur. Lawsuits are so common these days that owning a pet can be a huge risk.