Many pet owners with homeowner’s insurance find that their current policy does not cover canine-related injuries. Here are three reasons why it is important for any dog owner to consider purchasing liability insurance for dogs.
Consider the Cost of Dog Bites
The average dog bite claim in 2015 was almost $40,000 and has nearly doubled in the last decade. Medical attention for victims can quickly become costly, as dog bite injuries may cause numerous health threats that may require hospitalization, including the following:
- Open wounds
Cover More Than Bites
Although most dog-related injuries are the result of canine aggression, canine liability policies often cover more than just bites and scratches. Leashes or chew toys left on the ground can cause people to trip and injure themselves, which may leave the pet owner liable. For this reason, liability insurance for dogs is typically recommended for all canines, regardless of bite history and aggression levels.
Protect Both You and Dog-Bite Victims
Many dog owners minimize the impact dog bites can have on their dog’s victims or blame the victim’s actions. Canine attacks can be particularly devastating to children, who often incur severe facial damage due to their height. Having dog bite insurance can ensure the victim will receive the help he or she needs at minimal, cost to you.
Canine liability insurance varies in cost depending on the breed and aggression level. This typically makes it an excellent choice for all dog owners.