Fetching Good Dog Bite Liability Insurance Coverage

Before you add a new four-legged and furry addition to the family, take a look at your homeowners polity to make sure that you’re adequately covered in case the new family member decides to start teething on someone’s arm or leg. Florida dog bite insurance isn’t included on every homeowners insurance policy, and some policies will actually exclude coverage for canine-inflicted injuries. If this is the case, you’ll have to purchase a supplementary policy. Look Over Your Policy  You don’t want to bring your dog home for the first time only to have them greet the mailman with a bite before you have the chance to properly train them. When considering Florida dog bite liability coverage, make sure that you get a limit of at least $100,000 for personal liability if you have a small dog. For medium sized dogs, bump that limit up to at least $300,000. Talk to your insurance agent if you aren’t sure if your current homeowners policy includes dog bite coverage. They’ll sit down with you and take a look at the personal liability section, the exclusions section in particular to make sure there are no exemptions to dog bites. Other Sections To Check On Your Policy  Make sure that you take a look at amendments and riders that are part of your policy, which insurance companies send out every now and them. Even if you have Florida dog bite coverage, it could be taken away due to a rider or amendment.   Don’t think that you’re covered for dog bites by your current insurance policy, make sure by asking your insurance agent to spell it out for you.

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