liability insurance for dogs

The Necessity of Liability Insurance for Dogs

As a dog owner you are exposed to the real possibility of liability claims stemming from dog bites, as well as other possible canine-inflicted injuries. Dogs bite at least 4.5 million Americans every year, with 20% of the victims requiring medical treatment, and the annual losses exceed $1 billion annually.

Because these attacks include the dog owner’s own relatives, friends and neighbors, the likelihood of a possible dog attack occurring in your own home is a real concern. Having liability insurance for dogs here in Florida means protecting the people who are closest to you, which equates to protecting valuable relationships and ensuring proper treatment of loved ones, along with strangers and passerby on the streets of your city.

Many home and renters policies don’t provide for dog bites

Unfortunately, there is no law that requires homeowners and renters insurance policies to provide coverage for injuries, damages and losses inflicted by dogs. This simply means that you may have to go to an outside source for the coverage that you so desperately need.

There are also homeowners and renters policies that exclude injuries caused by a dog or any animal, while other policies may exclude injuries caused by certain breeds of dog.

Some insurance companies have even expressed concerns in selling homeowners insurance to the owners of certain breeds of dogs (such as pit bulls, Rottweilers, Akitas and Chow-Chows, to name a few), due to these animals having a reputation for biting and being overtly aggressive. Furthermore, there are policies that provide inadequate coverage, which is why pet owners need to do research and due diligence when shopping for the proper coverage for their particular situation.

Traditionally, the minimum limit for personal liability coverage has been $100,000. But, however, a limit of $300,000 is more appropriate if your household contains, for example, a medium sized dog, as the higher limit is a requisite of a personal excess policy. No dog owner should purchase a homeowner policy or renter’s policy that excludes canine-inflicted injuries, unless he or she buys a supplemental Florida liability insurance for dogs policy that covers them in the event that anyone becomes injured when coming into contact with their pet.