Every year, millions of people are attacked by dogs, so if you own one or are planning to adopt soon, this is a very wise question to ask. In general, a standard home insurance policy may provide you with important financial protection if your dog bites someone other than a member of your household and you are found liable for this person’s dog bite-related injuries. The liability portion of your home insurance policy is the coverage that typically could help you pay for medical expenses of the person your dog bites and some of the legal expenses if you are sued as a result of your canine’s actions.
It is important to know that the liability coverage in your homeowners policy does have set limits. If the dog bite victim’s medical expenses and your legal fees surpass these coverage limits, you could be responsible for paying the rest of what you owe out of your own pocket. At Morse, we usually recommend that our clients who are dog owners consider investing in the supplemental liability protection an umbrella insurance policy offers. With umbrella insurance, you can get an additional $1 million of personal liability coverage, often for as little as a few dollars a week.
One final, and critical, thing to understand is that your insurance carrier could deny a bite-related claim if you never informed the carrier that you had a dog. So, whether you’ve just adopted a pup or you’ve had a furry friend by your side for years, make sure you let Morse know about this member of your household. Some insurance companies consider certain dog breeds too risky to insure, so we will investigate the best way to make sure you and your pooch are properly covered for bite incidents