No matter how friendly a dog may seem, there’s always the possibility that it might become startled. Whether it’s going for a walk down the street or playing in the park, you can never predict what will happen nor how a dog may react. Unlike humans, dogs become a lot more aggressive when startled and can instinctively bite another person or animal even if they’re not what really startled them. This leaves all dog owners to a world of liabilities associated with dog bites and the civil lawsuits that can come with it.

This is why it’s important for every dog owner, especially those who own dogs known for aggressive behavior like pit bulls or rottweilers, to have certified dog bite liability insurance from agencies that are legally approved to issue this type of animal liability insurance. Dog bite insurance can help protect owners from legal costs associated with what might happen if a pet gets scared and inadvertently bites another person or dog. More and more cities around the US are starting to require this type of insurance of specific breeds, so not only will dog bite liability insurance help protect you from lawsuits, it will also help you stay in accordance with the law.

While there are many insurance companies that offer animal liability, certain breeds of dogs are almost uniformly excluded from the mix, including Rottweilers. When trained properly and given a good home, a Rottweiler can make a loyal and loving pet, and responsible dog owners should not be discouraged from owning a Rottweiler because of a lack of insurance options. Rottweiler liability coverage is necessary—should your dog bite somebody else, it’s almost guaranteed that a law suit is on the way.

Homeowner’s insurance providers that do not cover specific breeds of dogs like Rottweilers will most often require their clients to purchase an outside Rottweiler liability plan. This covers any property damage, injury, or casualty that is inflicted by a Rottweiler. Too, many states have laws requiring Rottweilers to be insured, and owners can face steep penalties and fines if they fail to do so. With the number of dog bites that happen annually, you don’t want to be caught in a lawsuit without insurance, so make sure that if you own or are thinking of owning a Rottweiler, liability insurance coverage is on the top of your priorities.

Across countless online forums and message boards regarding dog ownership and liability, tons of frustrated and panicked pit bull owners are asking one simple question: “How can I insure my beloved pet?!” While most home owner’s insurance policies include pets in their coverage, almost all companies make exceptions for certain breeds that are considered “viscous”, and pit bulls are at the top of their list. Failing to maintain proper pit bull liability insurance coverage is not an option, as many states require proof of a pit bull liability insurance plan should you need to retrieve your pit bull from a pound after a biting incident.

Pit bull owners must take the extra step to get a supplemental pit bull insurance policy that is specifically geared towards pit bulls. No matter how responsible an owner is, the number of pit bull attacks that happen every year cannot be overlooked. Millions of people are bit by dogs each year and the large majority of them are bit by pit bulls, rottweilers, presa canarios or their mixes. These attacks can end it serious injuries, permanent disfigurements and even fatalities. The risk for pit bull owners is too great to be caught on the wrong end of lawsuit without the proper pit bull liability coverage on their side.