Nearly five million individuals are injured due to dog bites. The medical and legal costs associated with these incidents are approximately $400 million. In many cases, pet owners are left with the bill when Fido misbehaves. This is why having dangerous dog liability insurance is critical. There are common misconceptions about dog bites. Because of these myths, pet owners don’t think they need coverage. Separating fact from fiction can help you avoid financial losses down the road.
1. Homeowner’s Insurance Has It Covered
Increasingly, insurers are removing pet liability from homeowner policies. This is especially true for “blacklisted” breeds. The reason is that the coverage costs are steep. A few of these high-risk canines include:
- Great Danes
- Doberman Pinschers
- Pit Bulls
If you have a dog that’s excluded from your homeowner’s policy, the next best step is securing dangerous dog liability from a carrier specializing in pet insurance.
2. History of Injury
A dog bit isn’t the only act that can result in you being sued. Someone can file a claim for a variety of injuries, including being knocked down or scratched. If your dog has a history of harming others in any way, you run the risk of being hit with a lawsuit, even if it is an accident.
3. It’s a Requirement
Are you a renter? Your landlord may require that you have a liability policy. In some cases, you must provide proof of this coverage before you can sign a lease or move in. Additionally, there are states that require dog owners to have coverage. Whether you rent or own your home, it’s best to see if you’re legally required to have a dog bite policy.
No matter how well-trained your furry companion is, there is always a potential of your dog harming someone. When you buy dangerous dog liability insurance, you can safeguard against related legal and medical expenses.