2 Important Dog Liability Insurance Factors to Consider Before Buying
Many people have a hard time deciding whether or not they need dog liability insurance and on deciding how much coverage they should be carrying. So if you are seriously thinking about buying a dog liability insurance policy, here are some important things think about.
First of all, never assume that your current liability insurance will cover you when it comes to dog bites, or attacks. Many people make this mistake, and only find out after it's too late that their insurance policy does not cover dog bites.
Even just a few years ago most homeowners insurance policies did cover dog bites, but now this is no longer the case. More and more companies are seeking to limit their exposure in this area and therefore are changing their policies.
The CDC states that most of the victims that require medical attention are children and they are usually bit in the face. Another important statistic to realize is that dog bite losses usually exceed 1 billion per year!
These stats should make you realize how important having some form of dog liability insurance is. Normally if you buy this, it comes as an add-on to your current policy, or must be bought as a separate rider.
One of the questions you must answer is how much insurance you need. While there are many factors to consider, one of these is what type of dogs you have. Obviously if you have trained attack dogs you'll need more insurance coverage then if you have an overweight Pug that is a lapdog.
Your net worth is another important factor in determining how much coverage you need. The higher your net worth, the more likely you will be sued in case of a dog attack or bite.
So if you are at all thinking about getting a dog liability insurance policy, ensure you get a quote today. It only takes a few minutes, but can save you a lot of money in the future.
Get a dog liability insurance quote today, and learn how to properly compare pet insurance plans at Dr. Chris' website.
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