Dog Bite Liability
Being a dog owner means always coming home to a warm welcome. While you think that your furry friend helps to add a little extra love to your house, your homeowners insurance company thinks they add a little extra danger, especially if your pooch is a “risky” breed. Even if your dog has never shown signs of aggression, they may still be dangerous if they are cornered or do not feel safe, which can lead to a costly dog bite claim. Knowing what your four-legged friend means for your home insurance policy can help to ensure that all of your family members are properly protected with the right insurance coverage.
Some of the riskiest dog breeds that may affect your ability to get the right amount of coverage include:
- Staffordshire Terriers and Pit Bulls
- Doberman Pinschers
- German Shepherds
- Great Danes
- Cane Corsos / Presa Canarios
- Alaskan Malamute
- Siberian Huskies
- Wolf Hybrids
Keep in mind that the list of risky dog breeds is updated every year based on dog bite data that is collected annually, so make sure to keep your insurance agent updated with the type of dog you have at your house. Some insurance policies will exclude coverage if you have a specific type of canine, which means you will have to work with a different insurance company or find additional coverage from a different source. If you are left without the proper amount of coverage for your pooch, you may be left paying for any dog bite liability claims out of your own pocket, which can easily reach tens of thousands of dollars.
Contact Aimpro Insurance in Phoenix, Arizona for all of your homeowners insurance needs to protect you and your furry friends. As an independent insurance company, we will work with you to make sure that you have the protection that you deserve, all at the right price.