How much thought have you given to dog liability insurance? If you own a dog breed that is notorious for aggression like Pit Bulls, Rottweilers, Dalmatians, and others, there’s always the possibility that something could happen…no matter how well trained you think your dog is.
Having dog liability insurance could mean the difference between getting caught in a legal and financially straining mess and having peace of mind.
While the usual homeowner’s policies cover most dogs and the problems that come with them, many of them exclude the breeds mentioned above, as well as some others. By owning these dogs and not being protected from devastating bites, digging, and even unprovoked attacks, you could be leaving yourself very vulnerable to devastating lawsuits.
In this article you will learn why having dog liability insurance is so critical, what the costs are, and where you can go to get the cheapest and most comprehensive insurance for your loved one.
Don’t leave yourself exposed…
It’s a fact that many apartments don’t even allow you to own certain breeds while living in their complex. These breeds include Pit Bulls, Rottweilers, Doberman Pinschers, wolf breeds, Akitas, and sometimes Dalmatians, some Terriers, and others.
Even mix breeds of these dogs aren’t allowed. The reason for this is simple – these dogs are a liability because of their aggressive nature. They don’t want to be sued by other tenants or even people walking through where they get into a skirmish with the dogs.
The owners of these dogs can swear up and down about how well they’ve trained them or how nice they are, but ultimately, the dog’s instincts can kick in and within a few seconds disaster can happen. Sometimes it’s beyond our control.
That’s also why homeowner’s insurance policies don’t cover these breeds. By owning these dogs you expose yourself to costly lawsuits…this is the plain and simple truth, no matter how much you feel otherwise.
How much does it cost?
Typical dog liability insurance can run anywhere from $8 to $12 a month. They, of course, can be higher depending on how dangerous they consider your dog, where you live, and what the local laws are. If your dog actually has bitten someone in the past, thus raising the dog’s liability, then in some cases insurance could cost as much as $85 a month. This is the exception so the lower amount is a good estimate to shoot for.
You can expect to be covered for most types of dog aggression such as dog bites, and emotional damage by unprovoked attacks. The coverage can reach up to $100,000 and higher with deductibles as low as $1000.
Considering the cost of a potential lawsuit, getting dog liability insurance is a very smart investment, especially if you know that your dog has aggressive tendencies and you want to protect yourself.
Where to find the cheapest insurance…
There are many places where you can find low cost dog liability insurance, but you also don’t want to get sucked into a seemingly good deal and wind up paying too much for a small amount of coverage.
If you do an online search, you’ll be able to find websites that offer the best price comparison on this specific type of coverage (you have to remember that this is a specialty coverage and many companies don’t even offer it).
You’ll be able to find decent prices and will be able to compare things based on your location, your dog’s breed, your dog’s history, and other things. Consider the fact that, while as unfortunate as it is, people are sue-happy, especially if they can get someone in a “dangerous dog” suit. Make sure that you’re protected with dog liability insurance so you can have peace of mind and be able to enjoy dog ownership to the fullest.