Dogs are devoted friends, supportive companions, and sources of unconditional love. For many, owning one is among life's greatest joys. When shopping for homeowners insurance, be sure to find a policy that protects your beloved dog. To help you in this process, below are answers to some common questions about home insurance.

A Guide to Homeowners Insurance for Dog Owners

How does owning a dog impact my home insurance policy?

When you own a dog, you are responsible for their behavior. While dog owners tend to think of their pets as loving and harmless, most dogs naturally respond to perceived threats by biting or attacking. And if someone is attacked by your dog, you can be found legally liable for damages. A homeowners insurance policy offers coverage for dog-related injuries under personal liability and medical payment statutes.

How much coverage should I get?

Home insurance typically offers liability protection up to a certain dollar amount in the event that your dog bites someone. You are responsible for any costs over the coverage limits. Limits can vary between policy type and carrier.

Are there certain breeds insurers worry about more than others?

Some insurance carriers may not protect certain breeds that they consider particularly dangerous as these are deemed high-liability animals; pit bulls, mastiffs, and Rottweilers are the most common dogs found on these lists. Other dogs subject to restrictions include Staffordshire terriers, Dobermans, German shepherds, chows, huskies, and malamutes. If your dog isn't covered, look for an umbrella policy or specialized coverage that will include your particular breed.

Should you update your insurance if you get a dog?

Updating an insurance policy ensures proper safeguards for you, your new dog, and anyone they might injure. If you don't inform an insurer and the dog bites or attacks someone, the carrier can deny you coverage because they weren’t informed that the dog was part of the household.

Explore your options for homeowners insurance by contacting Kleppinger Insurance. Serving Lehigh and Northampton counties, PA, they offer a variety of insurance solutions. In addition to homeowners policies, they provide life, business, and car insurance coverage. Request a quote by calling (484) 357-1485 or visiting their website.