Dog Bites And Your Insurance

Dog Bites And Your Insurance

We’ve all had run-ins with animals and pets, whether they’re your own or a friends. To be more specific, dogs. They can really be lovable furry friends for anyone, but unfortunately, they can also be a liability for homeowners as well. Almost half of all homes in the US have a dog as a pet, and that means that half of all homes in the US face additional liability risks.

Thankfully, with homeowner’s insurance, dog bites are covered under the home’s liability clause, but just like any other aspect of insurance, if a bite were to happen, you may see a spike on your premiums.

Unfortunately, these slip-ups happen fairly frequently. About four and a half million people are bitten by a dog every year, and almost a quarter of those individuals require some type of medical attention from the bite, that’s why this is a pretty significant factor that goes into homeowners insurance policies. The total cost of all the claims is pretty high, and looking at them from an individual case basis doesn’t help matters. The average cost of one dog bite claim was just over twenty-five thousand dollars (crazy!).

We are not trying to scare you! Especially if you’re looking to add a dog to your family. Don’t get us wrong, we love our animals but we just want people to understand how dogs could affect your homeowner’s insurance policy. Also, there are certain dog breeds out there that unfortunately have the data against them. For example, Rottweilers and pit bulls… there’s just no way around it unfortunately.

If you have any more questions about your homeowner’s policy and pets don’t hesitate to call us at SAVA! We would love to answer those questions for you! 860-437-7282

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