Understanding Dog Owners’ Liability Insurance

Understanding Dog Owners’ Liability Insurance

dog owners' liability insuranceMost dog owners don’t really think about dog owners’ liability insurance. They neglect to think about what might happen if their dog happened to attack or injure another person – usually because most owners can’t comprehend the suggestion that their dog could ever do such a thing. Fortunately, if you own a dog, then odds are that you have dog owner’s liability insurance – as long as you have homeowner’s insurance or renter’s insurance.

Most basic homeowner’s insurance and renter’s insurance policies do cover dog bites – and it’s a good thing too: roughly one-third of all homeowner’s insurance liability claims made in 2010 involved dog bites. Insurers ended up paying out an estimated $413 million for dog bite claims, according to the Dog Bite Liability Report released by the Insurance Information Institute.

Most policies will actually provide a couple hundred thousand dollars worth of liability coverage for dog bites. However, there are a few things to be aware of. Most insurers have a “one bite rule.” This means that the insurance can be canceled or a canine exclusion clause will go into effect after the first incident. Some breeds are also not covered, such as Dobermans, pit bulls, chows and rottweilers. These breeds are responsible for a larger percentage of dog bite related incidents. Most policies will list the breeds that are excluded, so pay attention!

Be aware of the stipulations of your dog owners’ liability insurance. For additional insurance information, contact us at CCW Insurance today.

Image Source: morgueFile