Category dog liability insurance quotes

How Lack of Dog Liability Insurance Affects Dogs and Their Owners

Liability dog insurance

Homeowners and renters know full well about the legal difficulties of owning a dog. There is a pre-conceived notion that all dogs are viscous, misbehaved and will bite at any instance. In the past, liability dog insurance was included in homeowners and renters policies. Nowadays, these policies are outright excluding liabilities for dogs and other animals, causing a financial strain for pet-owners looking to rent or own a home.

Liability dog insurance is starting to disappear from home insurance policies, the argument being that dogs in general are prone to causing heavy damage. Despite more aggression being common in certain breeds, even dogs that don’t exhibit a threatening demeanor are not receiving fair treatment from insurance policies. Also known as canine liability coverage, many landlords and property management businesses have decided to eliminate the risk of any lawsuit claim by flat-out refusing to house pet-owners.

The good news, however, is that some insurance companies are going out of their way to protect dogs from being dogs. Some companies are offering coverage for every breed, and will even consider dogs with past histories of aggression. Although $400 million are accounted for dog bite injuries each year, the seriousness caused by these bites can vary from a simple nip to a full-blown attack. In other words, each situation needs to be taken into consideration when insurance policies provide coverage for dogs.

What Factors Drive Up Dog Liability Insurance Rates?

dog liability insurance quotes

As is the case with most insurance policies, a variety of factors go into determining how much you need to pay. As you are seeking out dog liability insurance quotes from different companies, a good deal of information will need to be provided so that an accurate estimate can be provided.

Breed of Dog

You might think that your dog is perfectly nice and would not even hurt a fly. While many dogs will never be an issue, there are certain breeds that have been deemed “dangerous.” These are canines that are more likely to act aggressively, and they include:

  • Pit Bull
  • Rottweiler
  • Doberman
  • German Shepard
  • Husky

Again, this is not to say that every pit bull or every Rottweiler is going to cause problems, but some insurance companies take the breed into consideration.

Number of Dogs

Naturally, if you have more than one dog to insure, then you are going to likely have to pay more. It is the same principle if you were to insure more than one vehicle. This is also something to consider if you are thinking about getting a second or third dog.

Many companies will be willing to provide you with free dog liability insurance quotes. Ask around in order to find a policy that works ideally for your needs.