Homeowners insurance is vital when it comes to protecting your home, belongings and family from unforeseen disasters. What you might not realize is that homeowners insurance often excludes damages caused by family pets, especially your canine companion. You love your dog, but when your beloved companion attacks someone, for any reason, the resulting out-of-pocket medical and legal expenses can be sizable. Adding dog liability insurance to your existing homeowner’s policy is a great way to ensure coverage for your entire family from liability claims.
What Makes a Great Liability Policy
When you’re looking for dog liability insurance, take the time to do your research. A good canine liability policy should cover the following items:
- Broad coverage
- Low or no deductibles
- Available in all states
- Exclude no breeds
- Underwrite each dog separately
In addition, some premium policies also allow for the addition of your landlord or property manager as an additional insured party.
You Can Be a Responsible Dog Owner
Being a responsible dog owner involves more than taking care of your beloved pet. It also means taking steps to protect yourself from potential damages stemming from your canine companion’s misbehavior. A good insurance company can help you work through the various types of dog liability insurances available and help you choose the right one for your situation.