As we prepare for our dog’s bright future ahead, it is our responsibility as a pet owner to ensure his or her wellness, and that he’s well taken care of in case the unfortunate happens like an accident or an illness. But there is something that we normally don’t think about until it’s in our face.
This is when your dog has caused injuries to other people and damages to property. In these eventualities, we must purchase liability insurance for dogs.
It may be difficult to find the right liability insurance package from just a few suppliers, so it is best to make inquiries from several insurance providers, and then compare. Take your time and talk to as many insurance providers as you can because often you’ll be able to get a good package for less the price but more value.
You must make sure that you review thoroughly and understand what each policy covers and does NOT cover. It is important that you are aware of all your liabilities and the best way you may be protected.
Liability cover is most likely covered with homeowners and renters insurance, and it may cover dog bites specifically. Although there are others that exclude dog bites, and there are policies that give inadequate cover for the victim. Liability insurance may also be down to the kind of breed your dog is.
The dog breeds normally excluded from most insurance coverage plans include the Pit Bull, Doberman, Rottweilers, Akitas And German Shepherds, to name just a few. But if you would just be patient enough and do your homework, you may find that are a few that have no breed restrictions.
You may be able to obtain information from a reputable breeder of any such breed as they are likely to have dealt with this situation themselves as professional dog breeders.
Most popular insurance companies do not offer pet liability insurance due to the fact that they claim that this kind of liability insurance coverage would be offered generally within a homeowner’s or renters’ insurance packages.
However, there are a few companies that do specialize on liability insurance for dogs. Here is a list that you may want to look into in case you find that you need this type of insurance: Lester Kalmanson Agency, Inc. (407) 645-5000, Einhorn Insurance Agency (858) 336-4644, Evolution Insurance Brokers (801) 304-5510, and Eva Reed of, The Ohio Insurance Exchange (800) 473.1215.
Many serious accidents had been caused by a dog therefore it is essential that you take the possibility of something unfortunate happening seriously as well, and be fully aware of any liability to yourself should anything arise.
