Most of us consider our dogs members of the family. They share our lives and our homes—but unfortunately, they may also leave us open to lawsuits. Even though it’s unlikely that your family pet will bite someone, it might be a good idea for you to make sure you have dog bite liability coverage, otherwise known as dog or animal liability.
In addition to dog bite claims, dog liability will also protect you if your dog knocks someone over, causes them to trip and fall, or damages their property. It will also protect you if your dog hurts another animal.
It used to be that your homeowners insurance policy covered you in the event that your dog injured someone. However, because of the rise in claims and litigation surrounding dog bites this is no longer a given. Florida ranks second behind California for the largest number of dog bite claims, and has the highest average cost per claim at $44,700. In fact, in 2017 dog bites and other dog-related injuries cost almost $700 million dollars and accounted for more than one third of all homeowners liability claim dollars paid out, according to the Insurance Information Institute. Some insurance companies exclude certain dog breeds, some exclude all animal liability, and others place limits on the amount they will cover. If you have a dog and are concerned about your liability, you should check with your homeowners insurance company or your L & M Insurance Group agent to make sure you have the coverage you need.
And it’s not only homeowners who should be aware of the necessity for this coverage. If you’re a renter, some landlords now require dog liability insurance before they will rent to you.
Please call your L & M Insurance Group agent at 813-672-4200 (or contact us by email) if you have any questions about whether or not your homeowners or renters insurance policy covers dog liability—or if you have any other questions about your insurance needs.