All dog owners are responsible for the behavior of their pets, making them liable for dog bite accidents. Owning a dog can cause an increase in your home insurance premium, unless you have a Florida Covered Canine Policy.
Coverage That Other Policies Fail to Offer
Your homeowners or renters policy may include a small amount of coverage for dog bites, but if your animal attacks another person, you could face serious bills that you end up paying for out of pocket, including legal fees. Some policies cover only up to $25,000 of losses, which may not be adequate. A Florida Covered Canine Policy protects you, your dog, and victims with the right level of coverage that won’t have an impact on your home insurance policy. Depending on the breed and size of your dog, you can enjoy policy limits of up to $100,000.
Factors That Affect Coverage
There are several risk factors that can increase the premium that you should expect to pay on a Florida Covered Canine Policy, including the following:
- Number of children residing in the home
- Whether your yard is fenced or not
- Socialization of your dog
Protecting yourself, and your pet, is important and a dog insurance policy can keep you from ending up in financial trouble should an unfortunate incident occur. Investing in insurance created specifically for dogs can be the best way to prevent undue stress.