Dogs are an important part of any family. With that being said, is dog bite liability covered by your homeowners insurance policy?
Many people love dogs, but nobody loves dog bites liability. The unfortunate truth is that dog bites are a reality and so is the risk of law suit arising from them. The Center for Disease Control and Prevention states that approximately 885,000 Americans are bitten by a pet each year with enough severity to require medical attention.
Dog bites are the most common liability claim on homeowners insurance policies
In fact, they amount to more than a third of homeowners insurance claims. In the year 2013, nearly half a billion dollars was paid out in dog insurance claims. If you are covered by a homeowners insurance policy, there is a good chance you have protection under the liability provision but it is important to note that some companies exclude certain breeds.
Renters, like homeowners are just as likely to face pet liability claims but are far less likely to carry coverage.
If you are a renter and own a pet it is important to look into renters insurance. This coverage can provide protection against dog bite liability claims.
To be sure you have adequate dog bite liability coverage, call an agent at Gould today (386) 734 3970.