Many dog owners rely on their individual homeowner’s or renter’s insurance policies to cover their liability for any injuries or damages that their dogs may cause. Here are some things to consider when deciding to rely on your homeowner’s policy for dog bite insurance claims.
One Bite Limits
While some homeowner’s and renter’s insurance policies may pay claims for dog bites, they can have limitations that may only pay one claim for the dog’s first bite. If that same dog bites another individual or causes injury to anyone else after that first claim, the insurance company can refuse to pay any future claims and may cancel your entire policy.
Denials of Future Coverage
If your homeowner’s policy cancels your coverage or raises your premiums to an unaffordable rate after filing a claim for a dog bite, you may need to find another company to insure your home. Many insurance companies may look at your claims history and deny coverage because of previous dog bite insurance claims.
Although many homeowner’s and renter’s insurance policies can have restrictions, exclusions or higher premiums for coverage of certain breeds of dogs, there can be other alternatives for dog owners. Some insurance companies provide specific dog insurance that may not be tied to your homeowner’s policy and may not have exclusions or restrictions for certain breeds.