Insurance For Dogs That Have Bitten

This is where animal liability insurance can help.

Insurance for dogs that have bitten. If you have a dog but do not have animal liability coverage you are opening yourself up to the potential for a difficult lawsuit. Dogs are one of the leading causes for homeowners insurance claims and you can t always train away your dog s bad habits. Dogs that have a history of biting and who are classified as vicious may be denied coverage. Depending on what breed of dog you own where you live and your insurance company it could be difficult to buy a home insurance policy that includes liability for your dog.

However some insurance companies are more conscious about approving insurance policies for homeowners that own aggressive dogs dog bites occur quite often and there are thousands of dog related insurance liability claims filed each year. If you can t get an exception you could shop around for a new home insurer that will sell you insurance with the dog. Victims do not have to prove the owner was negligent in order to recover damages. So whether the dog has bitten somebody previously or not has no affect the victim s ability to recover compensation for damages from the dog owner.

Most insurance companies nowadays even automatically deny homeowners or renters insurance coverage to households with dogs as dog bites and dog attacks account for a considerable percentage of claims. Homeowner s or renter s insurance dog owners and dog bite victims will both be glad to know that homeowner s or renter s insurance usually covers damage from dog bites. If you take out a pet insurance policy with churchill for your dog you will have third party liability cover. Roughly 44 percent of american households 54 4 million households have at least one dog according to the humane society of the united states.

We commonly receive third party dog insurance claims from owners whose dogs have bitten someone or have run across the road and caused an accident resulting in thousands of pounds being paid out in compensation. If you re found to be legally liable to pay compensation because your dog has injured another person or their property and you do not have any other insurance you can claim against we will provide cover up to the value. If you don t have third party dog insurance you would need to cover these costs yourself. Insurance companies do whatever they can to minimize their losses so they may exclude all dogs certain breeds or any dog that has already bitten someone.

Many apartments and rentals now require canine insurance and many homeowner s policies do not cover certain breeds of dogs. Dog owners have a lot of things to worry about and having a homeowners insurance policy may buy them peace of mind. Look for a new home insurance company.