For the most part, homeowners and renters insurance policies usually cover liability for dog bites. Those fortunate enough to be insured under such policies generally have coverage in the event their dog accidentally (or intentionally) causes injury to someone. However, there are policies that exclude dog bites, as well as those that provide inadequate limits for the victim of dog bite insurance settlements. There are solutions available for dog owners who are either uninsured or inadequately insured. The choices include umbrella coverage, excess coverage, and canine liability policies, all providing protection in the event that your dog bites someone.
As an example, an umbrella policy will often cover an injury not covered by the owner’s homeowner policy. An excess policy will provide a higher policy limit for losses covered by the primary insurance, as where a canine liability policy is written specifically for dog owners for the purpose of insuring those finding it difficult to obtain coverage for injuries, damages, or losses caused by their dog.
An umbrella policy offers a great solution for many dog owners
A homeowner or renters policy that doesn’t cover canine inflicted injuries can cause quite a major issue. Having an agent that is knowledgeable about this coverage can help inform dog owners exactly how to go about purchasing a personal umbrella liability policy. The policy provides coverage for excess liability, over underlying liability coverage, and some of the liability exposures excluded by underlying policies, which also might include canine liability.
It’s vital that you purchase insurance before an unfortunate incident actually occurs. Remember that many dogs bite people that happen to be visitors in their own home. Victims are often friends or relatives, and in many instances the dog is familiar with its victim. Its crucial to read the policy carefully to ensure that it doesn’t exclude canine inflicted injuries. If you are unable to secure umbrella insurance for any reason you may actually be better off purchasing a policy for canine liability. Dog bite insurance settlements can be costly, so speak to an agent today about any questions or concerns.