11 Dec Animal Liability Insurance Coverage

Animal & Dog Liability insurance is starting to become more and more common in certain states.

According to the Insurance Information Institute, the cost of treating dog bites has steadily increased.  The average medical cost per claim for a dog bite in 2003 was $19,162.  Last year it was $26,166 that is a 136 percent jump.

Your pets are likely more of a liability to you than you realize. In fact, many dog breeds are specifically excluded from traditional homeowners’ policies. That means that anything from digging and playful nips to injurious bites or even provoked attacks could easily leave you vulnerable to a devastating lawsuit. 4.7 million People are bitten by dog bites every year in the U.S. alone, 800,000 of these bites require medical attention.  Two of the most common dog-bite victims are senior citizens and children. As a result, many insurance companies are limiting dog bite insurance coverage or excluding animal liability coverage. With increasingly strict state and local regulations being enforced across the country, animal liability and dog bite insurance coverage are things that every dog owner should consider.

Dog Breeds Most Commonly Excluded from Homeowners Coverage:

Bully Breeds

Pit Bulls

Rottweilers

Doberman Pinschers

German Shepherds

Akitas

Other large breeds

All small breeds
Animal liability and dog bite insurance coverage will provide you with peace of mind, knowing you have filled the gaps and exclusions in your traditional policies. Most insurers have breed restrictions for animal liability and dog bite insurance coverage. At XINSURANCE, we provide the coverage that you need no matter what the breed! Get started today! CALL ME for a no hassle free quote.