According to the Centers for Disease Control and Prevention, there is about 4.5 dog bite incidents reported each year. Canine liability coverage often called “dog bite insurance”, is essential for protecting homeowners in cases where their pet injures another animal or person. Here are three reasons you may want to consider shopping around for dog liability insurance quotes.
1. Your Dog’s Breed is Considered Dangerous
Breeds that are commonly excluded from homeowners insurance policies include Rottweilers, German Shepherds, Pit Bulls, Akitas, Siberian Huskies and Doberman Pinschers. Make sure to check whether your pet’s breed is excluded from your current homeowners or renters plan.
2. Your Pet is Energetic or Unsociable
If your dog has injured others, even accidentally, there is a good chance that it may happen again. A canine liability plan should help cover costs in cases where jumping, biting or scratching cause injury.
3. State and City Requirements
Some states and cities require that pet owners have liability insurance in order to cover medical and legal bills. Check your local laws if your pet isn’t covered by your homeowners or renters plan.
Dog ownership often means learning to expect the unexpected. If you’re worried about your canine companion, you should be able to find companies that offer dog liability insurance quotes online, making it easy to shop around.