Also, the bite does not have to occur in your home to be covered by home insurance. Dog bites caused by your pet that are your fault are covered almost everywhere they occur. However, there are situations where your insurer will not pay for the bites. For example, if you encourage your dog to bite someone or force your dog on a person, you probably won’t be covered.
That’s why it’s so important to read the fine print of your home insurance plan to know exactly what you would be held responsible for if your dog bites someone.
Should I add my dog to my home insurance?
Even if you don’t have to, you definitely should. In order for your dog to be covered by your home insurance, you must add your pet to your policy. If you haven’t told your furry best friend’s insurance provider, they may deny you coverage if you file a claim and you will have to pay all associated costs.
How does dog liability insurance work?
Dog liability insurance is an option to fill gaps in your home insurance coverage for your pet. This is especially useful if your insurance company has denied coverage for your pet in your home insurance policy.
This insurance provides owners with protection against various accidents and injuries that may be caused by your dog. Like home insurance, dog liability insurance only covers damage caused by your dog to other people outside your household.
However, dog liability insurance covers some things that home insurance generally does not cover. In addition to dog bites, dog liability insurance can cover other damage such as scratching, chewing, and biting that can be caused by your dog’s boredom or separation anxiety.
The cost of your dog liability insurance policy will depend on the coverage you choose as well as factors such as your dog’s age, breed, size, and behavioral history.