Not long ago, homeowners’ insurance policies covered dog bite damages, as did many condo and renter insurance policies. Bites, scratches, and physical damages by canines were also covered. A few years ago, insurance companies began restricting insurance for dog bites
, specifying which injuries would be covered, and limiting the amount of coverage. Currently, most insurance companies offer no canine liability insurance at all.
Breed Vs. Situation
Some dog breeds are thought to be inherently risky, and their owners are often unable to obtain insurance to cover any type of liability. These breeds include:
- Pit Bulls
- German Shepherds
- Staffordshire Terriers
- Chow Chows
Independent research shows the dog breed
is not as much of a problem as the situation your furry friend is put in. When something unexpected occurs, almost any animal may become scared and react by striking out in fear.
Need Vs. Availability
As municipalities, property owners, and cities begin requiring liability insurance for many types of dogs, problems can arise for pet owners in identifying their mixed breed babies. Additionally, if the pet owner is unable to categorize their pet’s lineage, insurance for dog bites is almost impossible to obtain.
Private insurance underwriters have stepped up to help the desperate pet owner by making insurance coverage available for pet liability. The result is affordable dog bite liability insurance for almost any breed of dog.