Your dog is more than just a pet, it’s a family member. This can make it difficult to view your dog as a potential liability. Unfortunately, even the most cared for, loved, and well-trained dogs can cause an accident. Something as harmless as a playful nip or digging on your neighbor’s property can result in a messy, time-consuming, and potentially devastating lawsuit. Dog-related damage is the leading cause of homeowner’s insurance claims. That’s why animal liability coverage is an essential part of being a responsible pet owner. Most insurance companies limit dog bite insurance coverage, restrict certain breeds from coverage, or exclude animal liability coverage altogether. Whether your dog has a bite history or is a breed commonly excluded from homeowners coverage, XINSURANCE will provide you with the coverage you need.
Many traditional insurance policies restrict certain breeds from coverage or exclude animal liability coverage altogether. Because insurance policies are becoming more exclusionary, it is likely that your current homeowners insurance policy will not cover you if your pet causes an incident.
Many states consider any pet with a dog bite history of any kind as “dangerous.” Owners of such pets are required by certain states and regions to carry proper animal liability coverage.
Bully breeds, Pit Bulls, Rottweilers, Doberman Pinschers, German Shepherds and Akitas. (All insurance providers cover different breeds, be sure to double check your policy.)
In 2011, the average dog bite claim was $29,396
Every year there are over 4.7 million dog bites