Owning a dog can be a joy but that ownership also comes with many responsibilities, including covering costs for any injuries your pet might cause. Even the friendliest of animals can bite when it is scared or feels threatened, and as the owner, you will be liable for any medical bills that result from this type of injury. However, protecting yourself with the right kind of dog bite indemnity policy can give you peace of mind when it comes to handling dog bite insurance settlements.
Discovering that your homeowner’s or renter’s insurance does not cover dog bites can be alarming, especially after your pet has bitten someone. Most policies do not extend coverage to dogs or any damage or injury they might cause, which means you will probably end up paying for medical bills out of pocket. However, adding a separate dog bite insurance policy to your other coverage can help protect you and the injured party. Coverage is typically extensive to insure you, your pet and your landlord, if you rent your house or apartment. Property management companies may look upon you more favorably as a potential renter if you can show proof of dog bite insurance, especially if you own a large-breed pet.
Dog bite insurance settlements can be stressful and expensive. However, investing in pet injury coverage can protect you against the unexpected, no matter what kind of dog you own.