You probably have enough information about dog health insurance and know the importance of having one. But what about the liability insurance for dog owners? Do you consider that it is a necessary cost for those who have a dog or is it just an insurance strategy to obtain extra money? How much does dangerous dog insurance really cost?
Even if you think that your dog is incapable of hurting any person or animal, there is always that possibility. Unfortunately, most dog owners are unprepared when something like this happens. How will you be able to pay medical bills and attorney fees, if necessary?
When you have a dog, it is important to consider all the possibilities. They can become aggressive and cause damage to your property or that of another person. Therefore, you should consider covering your back with dog owners liability insurance. This article will provide useful information on how much the dangerous dog insurance or dog owners liability insurance, what it covers and where to get it.
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Insurance for dangerous dogs: What is it and why do you need it?
Let’s imagine that your dog or bitch loosens his collar and leash while you are out for a walk with him. He runs at high speed and you can’t catch him. He comes face to face with another dog walking with his owner. Your dog clearly doesn’t like the other animal and immediately starts a fight. The other dog has to be taken to the vet with injuries, bites from your dog and scratches.
As a consequence of the above, you are responsible for the other dog’s medical bills. Also, if the owner decides to press charges, you can easily rack up thousands of dollars in legal fees and a lawsuit. Or, you could have had dog owners liability insurance, which would have protected you against much of the costs.
In 2014, the average dog-related injury claim was more than $32,000. if you have one liability policy for your dogWhether through a separate policy or your homeowner’s or renter’s policy, most of those costs can be covered.
Dog liability coverage protects you in the event your dog bites a person, another pet, or damages someone’s property.
Remember that, even if you think that your dog would never react aggressively, it is possible that it happens. Accidents of this type depend more on a specific situation than on the temperament or habitual behavior of your dog.
How much does dog insurance cost?
The average monthly cost of dog insurance is $47.20 according to Valuepenguin.com
The average cost of pet insurance is higher for dogs – 60% more expensive than cats for accident and illness policies. Older and larger animals also face higher pet insurance rates, as these groups tend to have more health problems. Below are the industry averages for pet insurance, according to the North American Pet Health Insurance Association.
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The best pet liability insurance companies
Trupanion is a trusted company for pet insurance. Their policies are customizable so you can choose the reimbursements and deductibles that fit your budget. In addition, you can opt for the Pet Owner Assistance Package, which will provide you with reimbursements for third-party damage.
The maximum coverage of this benefit is $25,000. The company will reimburse you for legal fees, replacement property, and any expenses incurred by Trupanion for investigations, negotiations, and settlement of claims.
Dean Insurance Agency
The Dean Insurance Agency offers a separate liability policy for dog owners. Your dog liability coverage includes all states except Alaska and does not exclude any breed. The coverage will protect you against medical or legal expenses related to your dog injuring a person, whether from a bite, scratch or fall.
In addition, the coverage extends to other animals that your dog may have injured.. Your policy will reimburse you at the level you choose, between $25,000 and $300,000. You can also extend your reimbursement by using an umbrella policy for up to $5,300,000.
With the Farmers Insurance, you can open a renters or homeowners insurance policy to protect the costs related to your house and your dog. Your residence insurance coverage will extend to your dog’s liability.
If your dog bites someone on or off your property, your property insurance will reimburse medical and legal expenses. Additionally, non-smokers and those with fire alarm and security systems installed can receive discounts on their farmers insurance policies.
Einhorn Insurance Agency
The Einhorn Insurance Agency strives to include in its insurance policies dogs labeled as dangerous breeds (insurance for dangerous dogs). Plus, it covers more than the usual liability of pet insurance companies to include dogs of all backgrounds, breeds, and temperaments.
Einhorn helps landlords offer their renters insurance for protection and also includes coverage for rescue dogs, including foster homes and damage caused by rescue dogs.
Esurance offers auto, health, life, pet, rental, home and other insurance coverages to meet a variety of needs. If you own an Esurance home or rental policy, you can benefit from their pet liability coverage. If your pet harms another person, you may be able to receive reimbursement for medical bills.
Renters coverage through Esurance averages about $14 a month, which is less than most stand-alone policies. In addition, you can receive a discount if you combine your coverage with another Esurance policy. You can choose your deductible and reimbursement levels to help fit the monthly premium into your budget.
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Conclusion: Liability insurance for dogs
Dog liability insurance may seem like an unnecessary cost, but most dog owners can be hit hard by the expense should the unexpected happen. In certain situations, you will be held immediately responsible for legal and attorney fees, medical expenses, or replacing property damage with your pet. For a low monthly fee, you can protect yourself from incurring exorbitant expenses if your dog does something out of the ordinary.
We all know our dogs and we would like to think that they would never hurt anyone. However, it is important to remember that most injuries occur when we least expect it. A dog may feel threatened or nervous and act aggressively unexpectedly. It’s normal and it happens. Consider purchasing liability insurance, through a separate policy, or including it in your homeowners insurance to better protect yourself.