Two Little Known Animal Liability Gaps in Your Homeowners Insurance

If your dog bites the UPS delivery person and he sues you, will your homeowners animal liability cover your legal defense and possible damages? It depends. If your dog’s breed is considered dangerous, then your dog may be excluded from coverage. This is fairly well-known, at least in the sense that anyone concerned about exclusions…


Specialized Personal Liability Coverage: Customizing Your Protection

Traditional insurance can oftentimes reveal its extreme limitations, despite being a necessary part of life. For people like you who may have a specialized career, have you really checked your liability insurance coverage? You may end up getting a chill when you find out many offbeat injuries aren’t covered. It’s a major flaw in mainstream…


Thinking Ahead for the Unthinkable

Like most prudent adults, we all try to live fairly responsibly, right? We’re careful with our pets, mindful of our guests, and don’t participate in anything too outlandish; so it would stand to reason that we might not think we need to invest in any additional insurance.  But the truth is that accidents can and do happen, and…


Firearm & Concealed Weapon Coverage: What Is and Is Not Covered by a Standard Homeowners Policy

If you’re a gun owner, you might want to consider adding firearm & concealed weapon coverage. While your standard homeowners insurance policy will typically cover firearms that are stolen or damaged in a fire, it does not cover your personal liability should you shoot an intruder. According to Insure.com by adding firearm & concealed weapons…


How Gaps in Your Auto or Homeowner’s Insurance Can Haunt You

Auto insurance and homeowners insurance policies typically provide liability coverage for common situations. However, they will exclude situations that are normally covered by other types of insurance. For example, you can’t collect from your homeowner’s insurance policy if you injure someone in an auto accident while driving to work. In addition, both auto and homeowners insurance…


How Dog Bites Get Expensive

When a dog bites someone, she is entitled to reimbursement for medical expenses as well as lost income if treatment and/or recovery prevents her from working. If the injury is minor, then the medical expenses and the time away from work will likewise be minor. However, if the bite causes complications from infection, or causes…


Who Are the Common Victims of Dog Bites?

Dogs are highly social and have an uncanny ability to empathize with humans. They’re nonjudgmental, provide unconditional love, and enjoy play. These characteristics make them the most favored pet of most human cultures. In spite of this, dog bites are common events that often require a visit to the emergency room. Who are these victims…


Circumstances That May Cause the Family Dog to Bite

Humans are complicated. Even a good friend under some circumstances, can become remote, moody, and possibly annoyed at one’s approach. Mob behavior is another example of behavioral contrast where law-abiding people can get swept up by the passions of the moment. Dogs are no less complicated. Unlike people, however, they lack our cognitive abilities that…


Signs That Your Dog May Bite

Under the right circumstances, all dogs will bite. This may happen when the dog is guarding something such as its food while eating, or when it’s sufficiently provoked. A dog may bite when it’s startled, is in pain, or is otherwise not feeling well. Preventing dog bites starts with learning to read behavior that says…


Should You Buy a Plane? The Pros and Cons

  Do you have thoughts about buying your own airplane or helicopter? Perhaps you have your license and like the idea of hassle free long distance travel or the simple joy of being aloft and seeing the world as few people do. While renting is another possibility, you may be uncomfortable with not knowing how…


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