Dogs are considered to be our best friends. They protect you, your loved ones and your home from trespassers, burglars and other miscreants. But they can be unpredictable at times. It is, therefore, advisable to get a comprehensive dog liability insurance for yourself if you have a dog at home. Even if you do not consider your dog a liability, it is important to get insurance cover. Read on to understand why this is essential.
Why should you get a dog liability insurance?
- If, for any reason your dog attacks someone, your insurance will pay for medical expenses so you will not have to spend from your pocket.
- For a small premium, you will be insured almost completely for legal expenses as well that may be incurred by the victim of the dog bite.
- Even if you are not held liable for the first attack by your dog, you will be held responsible for later ones.
Where can you buy dog liability insurance?
Most insurance companies that have comprehensive homeowner’s insurance plans usually have clauses for dog liability cover as well that is included once you inform then that you have a dog at home. Dog liability will continue to be covered in your plan unchanged as long as you do not claim it. After the first claim, you may have to pay a higher premium to get it included in your insurance plan, or you may have to look for new plans that cover dog liability.
Tips for buying a good dog liability insurance
- Most dog liability covers only cover for attacks that occur on your property. Check the condition well before buying an insurance plan.
- Check the amount of coverage you get under various plans. But one that gives you most coverage and fits in your budget.
- Check if the plan covers the breed of dog that you have, since most plans do not cover all breeds of dogs.
- If you have already claimed insurance under the dog liability plan once, check which insurance plans still cover dog liability in your insurance and buy accordingly.
Check your homeowners insurance and ensure that you have dog liability coverage. If you do not, then get your policy revised to include it at the earliest. It is better to be well insured even if you have a dog that is usually docile and friendly because even the smallest of dogs can give a nasty bite if they want to attack and you do not want to be emptying your pocket to pay for the damages.
