Dogs are largely known for being playful and loyal pets, but unfortunately, many dog bites occur every year. According to the Insurance Information Institute, dog bites accounted for approximately 18,500 homeowners insurance claims filed across the nation in 2017. Because of statistics like this, National Dog Bite Prevention Week was started to educate people on ways to reduce canine-related injuries. This year the event is held April 7-13, which is the perfect time for homeowners to reevaluate their liability coverage. Here’s what you need to know to protect yourself against dog bite lawsuits.

A Dog Owner’s Guide to Home Insurance 

Does Homeowners Insurance Cover Dog Bites? 

A standard homeowners insurance policy offers protection for dog bites under the liability provision. This means it will cover the medical expenses associated with someone else’s injuries if your pet attacks them, as well as legal fees and any settlements or judgments you’re ordered to pay if you’re sued. However, some providers exclude coverage for certain breeds that are known for being dangerous, such as pit bulls, Rottweilers, German shepherds, and Doberman pinschers. 

How Much Protection Do Dog Owners Need?     

Homeowners insurance will typically cover anywhere from $100,000 to $300,000 in dog bite-related damages. Dog owners are responsible for paying out of pocket for any costs that exceed their policy limit. Consequently, homeowners should consider increasing their liability coverage or purchase an umbrella policy, which will kick in to pay the their financial obligations once it amounts to more than their standard policy allows for. Another option is to buy specialty liability insurance that is specifically designed to cover dog owners.                                                 

How Can Dog Bite Claims Be Prevented?

There are several steps homeowners can take to lessen the chances of a dog bite. This includes learning the history of a breed before taking them in, making sure pets receive proper training, never leaving young children alone with a dog, playing non-aggressive games like fetch, and avoiding introducing a dog to new situations where they may have a negative response. Many dog bites can be prevented by seeking professional training as soon as a pet shows signs of undesirable behavior.

Being a dog owner is a fun and rewarding experience, but it also comes with great responsibility. If your current homeowners insurance policy doesn’t provide adequate coverage in the event of a dog bite, don’t hesitate to consult an agent at Patton Insurance Group. They will ensure your future financial stability is sufficiently protected. Based in Springboro, OH, they offer a wide range of high-quality personal insurance products at competitive prices from a variety of reputable providers. Call (937) 886-9966 to schedule an appointment or visit them online to request a quote.