You’ve had him since he was a pup now he’s an 85lbs. beast. So far, he’s never bitten anyone. However, what happens if your giant fur baby does bite someone? Are you prepared to pay out of pocket if your dog does injury someone or damages others property?
According to statistics from the Insurance Information Institute, in 2017 Nationally there were over 18,000 dog bite claims averaging $37,051.00 per claim. This accounts for more than a third of liability claims paid last year.
Homeowners and renter’s insurance include some liability protection. However, most insurance companies have exclusions with lists of excluded breeds they will not cover.
· Pit Bull
· Rottweiler
· Wolf Hybrid
· German Shephard
· Chow
· Doberman
· A non-pure-bred mix with any of the preceding breeds
Are you unsure if your policy will cover your pet in the event something bad happens? If so let me know and I’ll be happy to check your policy over for you. If you have any of the breeds I’ve mentioned and are finding it hard to get homeowners or renters insurance I can help.
Bryan McCarty
Trusted Insurance Advisor