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Dog Owners: Why You Need Animal Liability Coverage

Dog Owners: Why You Need Animal Liability Coverage


When you look at your four-legged furry friend, you might not see him as being a danger to anyone else. However, no matter how well-trained and well-behaved your dog might be, there is still a chance that you could end up in a lawsuit over its behavior. If you have never thought about purchasing animal liability coverage, now is the time to consider doing so. These are a few reasons why.

Your Homeowner’s Insurance Policy Might Not Cover It

You might assume that your homeowner’s insurance policy will cover any dog bites or other issues that might arise because of your pet. However, this may not be the case. For example, your insurance company might not cover dogs of certain breeds, such as Pit Bulls or Rottweilers. Having additional animal liability coverage will help ensure that you’re covered.

Even Minor Issues Can Result in a Lawsuit

You might assume that lawsuits only occur for serious attacks. If your dog is not vicious, you may assume that you do not need this coverage. However, even minor nips can result in expensive medical bills. Plus, in some cases, the dog does not have to bite someone at all in order for you to end up in a lawsuit. Even things like a dog digging in someone else’s yard can result in serious costs that you might not be able to afford. With animal liability coverage, however, you won’t have to worry about covering these costs yourself.

You Might Be Required to Have Coverage

In some cases, people are required to have this type of coverage on their dogs. For example, if you live in an area with a homeowner’s association or if you rent, you might have to have insurance coverage on your dog.

As you can see, if you have a dog, it’s smart to purchase animal liability coverage. If you contact us, we can tell you more about your coverage options and can help you get set up with insurance that will protect you and your assets in the event of a dog-related accident or issue.