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Why You Need Dog Liability Insurance

dog bite liability insurance

Owning a dog carries a lot of responsibility. You have to make sure your dog is well-behaved and well-fed. It takes time to play with your dog each day and take him (or her) on walks. Then, there’s also the financial responsibility if your dog injures someone. Every dog, small or large, no matter which breed, when threatened has the propensity to attack. To ensure that you have the means to take care of the injured, you need dog bite liability insurance.

When you have a dog bite insurance policy, the individual dog is covered. You have peace of mind that you won’t be responsible for the medical bills of a friend or family member if the worst happens. It’s just one more layer of protection for your financial future that makes sense when you own a dog.

It’s estimated that dog bite injuries account for about $400 million per year in liability or medical claims, but some experts in the industry believe that this figure is low because many injuries go unreported. Many renter’s or homeowner’s insurance policy exclude dog bites as part of their coverage, which means you need a solution to protect yourself financially. Dog bite liability insurance provides the coverage you need to sleep at night, just in case your dog defends you by biting another person.