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Most homeowners love the idea of having a dog to fill their home with fun, snuggles and lots of love. But even well-behaved and happy dogs can act out when they're afraid.

If you own a dog or are thinking of getting one, dog bites are a liability you need to think about. Do you know if your current home insurance policy protects against dog bites?

Will Your Home Insurance Policy Cover Dog Bites?

You may love your dog. But, remember that dog bites are the number one liability claim on homeowners insurance in the US. In fact, more than a third of claims filed each year include dog bite injuries.

In most cases, your homeowner's coverage should cover dog bite liability claims on your property. The average amount of liability coverage available in most policies is anywhere from $100,000 to $300,000. But most of these policies will only cover the first dog bite claim. If dog bites become a problem for your family, you will eventually have to pay out of pocket for damages. Therefore, take the time to properly reduce dog bite liabilities in your home.

Breed Restrictions

There is usually a limit on how many dog bite claims your insurance will cover. Additionally, your policy may highlight restrictions on different dog breeds too. Some of the common dog breeds that are not covered by most home insurance policies include:

  • Pit Bull
  • Rottweiler
  • Mastiff
  • Boxer
  • Shar-Pei
  • Cane Corso
  • And mixes of these breeds

These dog breeds make up about nine percent of the US dog population. However, they are responsible for about 80% of reported dog attacks each year. This makes insuring them under your policy a higher risk for your insurance provider.

How Much Coverage Do You Need?

If you own a dog and want to protect your property after a dog bite accident, explore your liability coverage options. Most homeowners policies will protect your property up to a specific dollar amount. But remember, if you have a larger dog or a "dangerous" breed, you may need to add more coverage.

Keep Your Home and Family Protected

The best way to plan for an unexpected dog bite accident is to buy a comprehensive home insurance policy. Review your coverage today to make sure you have the right level of protection to meet your family’s many needs.

Miller's Insurance Agency, Inc. has your coverage needs in mind. If you need a fast, free West Chester home insurance quote, call us now at (610) 269-4500. We can help you get the policy you need.

Posted 12:47 PM

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