dog bite liability insurance

The Importance of Having Dog Bite Insurance if You Own a Dog

Dogs are often called “Man’s Best Friend” and most people who own them consider them family. Unfortunately, some dogs can bite, often unexpectedly. Having dog bite liability insurance can be the solution to covering the high costs that eventuate in the case that a dog owner’s beloved canine happens to bite someone.

According to the Center for Disease Control and Prevention, an average of nearly five million people in the United States are bitten by dogs each year. Medical costs to cover the injuries can be expensive. Additionally, if a lawsuit is filed against the dog owner, the results could be devastating.

Among the multitude of insurances that are acquired by homeowners and renters, insurance to cover any charges involving a canine-biting incident is usually not on the forefront of purchasing. This may be due to pet owners not considering that their furry friend could be the culprit to such an offense.

Additionally, many people may assume that dog bite incidents are covered by their homeowner’s insurance policy. Most homeowner insurance policies do not include canine liability protection. Fortunately, canine liability coverage can be purchased to cover any harm that would occur if a dog were to bite. Obtaining dog bite liability insurance can bring peace of mind for pet owners, as well as security to their finances.