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Why All Dog Owners Need Animal Liability Insurance

“Dogs are not our whole life, but they make our lives whole.” -Roger A. Caras

He’s your best buddy, your four-legged “BFF”.  He’s your faithful hiking companion, and you can’t imagine life without him.  But even though he sleeps on your bed every night and snuggles with your toddler during Sesame Street, he’s still a potential liability.  Despite training and loving care, at the end of the day dogs are still animals.  They dig.  They chew.  They bark.  And sometimes, they bite.  Accidents happen, and the unfortunate reality is that ours is a sue-happy society.

In 2015, Seattle resident Woodrow Thompson sued his neighbor, Denise Norton, over her barking dog and won a $500,000 judgment.  Norton lost the suit because she didn’t challenge it, assuming that it was a joke.  The flabbergasted Norton told KOMO-TV:

“In my head, everything was so bogus that he’d been doing, I don’t know why, I just didn’t think it was real or something.”

The claims may have been bogus, but the lawsuit was no laughing matter.  Dog-related claims are surprisingly common.  In a press release dated May 11, 2016, the Insurance Information Institute wrote:

“Dog bites (and other dog-related injuries) accounted for more than one-third of all homeowners insurance liability claim dollars paid out in 2015, costing in excess of $570 million.”

While many insurance companies limit or exclude dog-related coverage or restrict select breeds, responsible dog ownership requires having sufficient animal liability coverage.  Look to XINSURANCE.COM for the coverage that you need.  Contact us, and you and your furry friend will both sleep better at night!