Plus, the bite doesn’t have to be in your home to be covered by homeowner insurance. Dog bites caused by your pet, which it turns out to be your fault, are covered almost everywhere they happen. However, there are times when your insurer does not pay for the bites. For example, if you reward your dog to bite someone or set it on a person, you are likely to be unprotected.
This is why it is so important to read the fine print of your homeowner insurance plan so that you know exactly what you will be responsible for if your dog bites a person.
Should I add my dog to homeowner’s insurance?
Although you don’t need to, you should definitely do it. For your dog to be covered by your home insurance, you need to add your pet to your policy. If you haven’t notified your insurance company about your furry best friend, they may deny you coverage if you file a claim and you will be on the hook to pay all the associated costs.
How does dog liability insurance work?
Dog liability insurance is an opportunity to fill the gaps in your pet’s insurance. This is especially useful if your insurance company has dropped your pet’s coverage on a homeowner’s insurance policy.
This insurance offers homeowners protection against a variety of accidents and injuries that can be caused by your dog. Like homeowner insurance, dog liability insurance only covers damage caused by your dog to other people outside of your home.
However, dog liability insurance does cover some things that homeowner’s insurance usually does not cover. In addition to dog bites, dog liability insurance may cover other damages, such as scratches, chewing, and bites, that can be caused by your dog’s boredom or separation anxiety.
The cost of your dog’s liability insurance policy will depend on which coverage you choose, as well as factors such as your dog’s age, breed, size, and history of behavior.