Are You Covered by Homeowners Insurance Against Dogs?

Florida homeowners insurance against dogs can help to protect you if you are a dog owner or even if there is simply a dog on your property.  While choosing the right bedding, food, and other components that dogs need to survive, you may forget about homeowners insurance against dogs.  Although you may train your pet to be obedient and friendly, there is the possibility of accidents happening.  Considering whether you are covered by homeowners insurance against dogs will help to protect you and your loved ones against possible legal issues.

Breed-Specific Policies

When selecting your type of insurance for your property, you will want to determine whether your policy is breed-specific or not.  The majority of insurance companies will exclude certain breeds from insurance plans as they are said to be more likely to bite or act dangerously around other individuals.  Some of the breeds that may be excluded from breed-specific policies include:

  • Pit Bulls
  • Akitas
  • Chow-Chows
  • Doberman Pinschers
  • Bulldogs
  • Wolf Hybrids
  • Great Danes
  • Boxers
  • Mastiffs
  • Saint Bernards

Prior to purchasing a dog, you will want to consider if your potential pet falls within one of the aforementioned breeds.  If so, you may want to consider purchasing a different breed that will be accepted by insurance policy.

All-Inclusive Policies

Although the majority of insurance companies that offer Florida homeowners insurance against dogs offer breed-specific policies, there are a few companies that offer all-inclusive policies.  These insurance policies can be quite beneficial as they incorporate every breed of dog known to mankind.  These policies can cover you and your family members for up to $100,000 in dog-bite liability insurance without having to pay an extremely high premium for protection.

Be Truthful

If you find that you require homeowners insurance in the event of a dog bite, you will want to be completely honest with your insurance company.  When applying for insurance, the majority of companies will ask whether you own a dog and you will want to be honest.  In the event of a dog bite in the future, you won’t want to claim against your breed of dog when you had told your insurance company that you owned a different breed.

You May Already Be Covered

Prior to researching Florida homeowners insurance against dogs, you may be already covered by your pre-existing homeowners insurance policy.  The majority of homeowners insurance companies offer some type of canine liability which can be quite beneficial for individuals who have a dog residing on their property.  You should speak with a representative from your insurance company to determine whether you will need to find outside coverage or not.  Unfortunately, renters insurance generally does not cover dog bites or any other type of dog liabilities.

Florida homeowners insurance against dogs is an important insurance policy to have if you currently own a dog or even if you are planning on purchasing one.  In the event of your dog biting a stranger on your property, you will be sufficiently covered.