As insurance plans continue to evolve and become ever more refined, many pet owners are finding that homeowner’s and renter’s insurance plans either leave out or severely restrict coverage for dog bite liability issues. From very low limits that often do not cover the cost of injury treatments to plans that specifically exclude certain breeds, finding a custom plan for canine coverage is becoming more and more common. In addition to forgoing blanket breed restrictions, such plans take into account a variety of factors when calculating premium costs, making it easier than ever for conscientious pet owners to protect themselves against expensive claims.
A Nuanced Approach to Assessing Risk
Unlike conventional plans that have sweeping restrictions on specific breeds, specialized canine insurance takes a variety of factors into account when calculating risk. Up-to-date veterinary care, safe, dog-friendly enclosures, and evidence for good socialization can all be taken into consideration under such plans, providing far more flexibility and peace of mind for responsible pet owners.
Consistent Coverage and Lower Premium Prices
Insurance providers who can provide coverage based on behavior and environment rather than breed alone are also able to offer dog owners consistently lower premium prices. With more and more general coverage plans restricting or excluding dog bite liability payments, it may be time for your family to consider looking into these specialized low-cost plans.