Homeowners Insurance And Dogs
Dog owners have a lot of things to worry about and having a homeowners insurance policy may buy them peace of mind.
Homeowners insurance and dogs. This coverage is there to protect you or a family member if you damage someone s person or their property. Many homeowners insurance policies cover dog bites and other incidents. Your policy s liability insurance is intended to protect you financially by. An iii study found.
When you purchase a homeowners insurance policy it comes with personal liability and medical coverage. Why homeowners insurance companies blacklist dog breeds. That s over 48 million households with an average of 1 6 dogs per household. If you own a dog or plan on getting one be aware of homeowners insurance dog breed restrictions.
However insurance companies may not cover damage from large dog breeds or those that have a reputation for being aggressive as they are a bigger risk to insure. Here are some basic facts about dog ownership and homeowners insurance. There are some insurance companies that will provide insurance for you but exclude your dogs. Generally home insurance covers a homeowner s liability for dog bites.
This also includes medical coverage if your dog bites someone and they decide to sue you. One fifth of these attacks are serious enough to need medical attention. 10 dog breeds most often blacklisted by home insurance companies. At times insurance agents themselves visit the dog owner s home.
Insurers paid out 675 million in dog bite related claims in 2018. According to the centers for disease control and prevention more than 4 5 million people suffer dog bites each year. The facts on home insurance dogs. Dogs such as pit bulls rottweilers chows presa canarios and akitas are often on banned dog lists by home insurance companies.
According to the american veterinary association almost 40 percent of american households have a dog. Some insurance companies go a step further and specifically advertise their willingness to work with dangerous dogs offering dog liability insurance for individual animals rather than based on a generic breed profile. If you have one of the following breeds you may have to sign an exemption waiver or you may even not be offered cover. The cdc estimates that dogs bite an average of 4 5 million people every year.
Einhorn insurance chubb group. The liability portion of homeowners insurance usually covers injuries and damage caused by your dog such as property damage or bites. Most insurance companies don t directly deny insurance and require medical records from vets. However some insurance companies are more conscious about approving insurance policies for homeowners that own aggressive dogs dog bites occur quite often and there are thousands of dog related insurance liability claims filed each year.
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