dog bite homeowner’s insurance

The Need For Dog Bite Homeowner’s Insurance

As a dog owner, you should be aware that it is quite common that your dog may bite a person leading to an injury claim. After all, these types of claims account for more than a third of all dog bite homeowner’s insurance liability claims paid out. That’s according to the Insurance Information Institute (III) that readily provides this type of information.

That statistic has remained fairly consistent over the last decade or so, according to III. They also have reported that the number of claims averages around 15,000 to 16,000 annually over that same period of time. The average cost of a claim runs in the tens of thousands of dollars, and will likely increase over time due to the increase in medical costs.

Your homeowner’s liability insurance covers you for injuries or damages to someone for a dog bite, but may also cause concerns about soaring premiums. Preventing your pet from biting strangers, as well as people it knows, is the best solution to this concern.

Ways in which to prevent dog attacks

As a dog owner, the last thing you want to have happen is to be sued because your pet bit someone, inadvertently or otherwise, and no one wants to become the victim of a dog bite. While it is up to you as to what breed of dog you’ll choose to own, choices as to the type of dog to consider buying, along with proper training can really help in the prevention of dog attacks.

You should have your dog spayed or neutered, and seek professional advice if your dog develops aggressive behavior. Also, you should discourage children from bothering your dog when it is eating or sleeping. As a potential victim, never approach a strange dog, especially one that’s tethered on a leash. Avoid making eye contact with a dog that appears threatening, since many dogs can sense fear.  You shouldn’t run past any strange dogs, so either cross the street or turn and walk back the other way.

Owners and pedestrians should keep these safety tips in mind as they can reduce the odds of a dog attack, but all dog owners need to invest in dog bite homeowner’s insurance. Speak to a reputable agent today and protect your many valuable assets.