What does dog liability insurance or canine liability insurance cover?

Einhorn Insurance encourages all dog owners (regardless of breed) to carry some liability insurance to cover the unintentional actions of their dog(s).  About 1/3 of all home insurance claims are dog related.   This has caused a lot of insurance companies to re-evaluate which dog breeds they are willing to cover.

 

Whether you own a property and have Homeowners Insurance or you rent and have Renters Insurance, you may be required to disclose your dog’s breed. Unfortunately, not all insurance companies are the same.  Many insurance carriers will either deny you a policy based on your dog’s breed or they exclude dog bites and/or other dog injuries from your policy.  This means that in the event your dog hurts someone or another animal, you’ll have to pay everything “out-of-pocket”.

 

Einhorn Insurance offers coverage to all dog breeds including Pit Bulls, Rottweilers, Dobermans, Akitas, Staffordshire Terriers, Chows, Grate Danes, Huskies…etc.  

 

If Animal Control has deemed your dog as dangerous, vicious, potentially dangerous or potentially vicious, Einhorn Insurance can still help you and your canine companion.

 

Dog liability insurance or canine liability insurance covers you 24 hours a day for:

–       Reasonable medical bills (including surgeries) due to bodily injury to a person or other animal.

–       Most policies cover your dog(s) while at your home and while away from home (depending on the type of policy you have).

–       Damage your dog causes to other people’s property (not including damage your dog does to the property you are renting). 

–       Attorney fees if your case goes to court.

–       Loss of wages to the injured party.

 

The average cost of a dog claim is about $25,000 and without insurance, you may have to pay thousands of dollars for someone’s medical bills, lost wages and attorney fees.  Fortunately, many dog bites do not result in serious injury, but it’s the plastic surgery, scars, post-traumatic stress and loss of wages that cause these claims to sky rocket.

Why take the chance when you can carry canine liability insurance?   

 

Unless you have the right dog liability insurance, dog owners may lose their homes, assets and income in a dog claim.   People (especially the parents of hurt children) that are victims of a dog injury want compensation for injuries.  When a dog owner doesn’t have the right coverage, the injured party can go after that person’s assets or garnish wages.  

 

Keep in mind, dog claims are not always a result of dog bites.  Your dog could bark and scare someone causing them to trip and fall.  Your dog may jump on a child while playing, causing the child to fall backwards.  Your dog may roughly play with another dog and unintentionally hurt the other dog.

 

For more information on Canine Liability Insurance or Dog Liability Insurance, visit http://einhorninsurance.com/dangerous-dog-liability-insurance/ and hit the GET A QUOTE button. 

 

If this is an emergency, please email us at Agent@EinhornInsurance.com and let us know what your situation is and how much time you have to get a policy.  If your dog is at Animal Control and is going to be euthanized, please try not to wait until last minute to get dog liability insurance.

 

 

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