Does your Homeowners Insurance Pay for Dog Bites?
If you own a family dog and also own a home, it is important to reveal that fact to your insurance agent when applying for homeowners insurance. There may be some stipulations regarding your coverage if you own a certain breed of dog or your dog has a history of aggressive behavior.
On the other hand, your pet may be docile and would never hurt anyone intentionally. You know your dog better than anyone. However, you must remember that your insurance company is working from a projected risk standpoint. They do not know your dog’s personality. They know that dogs that might fit your dog’s genetic profile have been known to be more aggressive than other breeds. Even if you don’t agree with that tactic, you should not hide the fact that you own your dog to try and protect your insurance coverage.
If your dog did in fact attack someone, you might need to defend him in court. If you hide him from your insurance carrier, you might find out when it is too late that you do not have coverage to help pay for his defense. In a lot of cases, owning a dog that falls under the aggressive category of breeds can mean you need to increase your limits of liability on your homeowners policy. That really is not too much of a price to pay for the defense of your family pet, is it?
Give your insurance agent a call today for a better explanation of your state’s dog bite laws and what type of insurance coverage you have for these types of situations. You may already have all the coverage you need. But in case you don’t and you need to purchase increased limits of liability, your agent can help get you all squared away.