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What Is Dog Liability Insurance?

November 13, 2012 by z3admin

Dog Liability Insurance, also known as canine liability insurance or pit bull insurance, pays for damage your dog does to other people/animals or property.

With so many states, cities and counties changing laws about Pit Bulls (and other “dangerous” dog breeds), you may need dog liability insurance. Even if you are not required to have dog liability insurance, it’s highly recommended! The unfortunate truth is that many people are often looking for any excuse to sue, and a dog liability policy can help to make sure you are covered.

 

Does your home or renters insurance provide dog liability insurance?

Blow the dust off your policy and crack it out. Look in the EXCLUSIONS portion of the policy and read about the Liability Exclusions. See if your policy mentions anything about excluding dog bites, injuries caused by animals/dogs or if it lists specific breeds. If it does, your dog is most likely not covered.

While many insurance companies and carriers breed discriminate, there are a few that love all dog breeds (so long as there is no history of biting/aggression). You don’t have to give up your beloved 4-legged family member, you just need to know what options are available.

 

Einhorn Insurance Keeps Families Together

insurance-for-pitbull-dogsEinhorn Insurance can help owners of all dog breeds get dog liability insurance. If they are not licensed in your state, they’ll point you in the right direction. The folks over at Einhorn Insurance all own Pit Bulls and understand how it feels to be discriminated against.

Even if your dog has a bite history and/or been deemed dangerous, potentially dangerous, vicious or potentially vicious, Einhorn Insurance has options. Feel free to give them a call at 858.336.4644, send an email to agent@einhorninsurance.com or visit their website www.einhorninsurance.com

 

What does dog liability insurance cover?

Many people think dog liability insurance is like having health insurance for your dog. This is not the case.

Dog Liability Insurance Covers:

  • Bodily injury your dog causes to other people or other animals.
  • Vet Bills including surgeries and medicine.
  • Medical Bills including plastic surgery to the injured person.
  • Attorney fees if your claim goes to court.
  • Damage your dog causes to other people’s property (not including the damage your dog causes to the place you are renting).
  • Income compensation if the injured person can’t work.

 

It is important to have the right dog liability insurance!

Dog owners may lose their homes, assets and income in a dog claim. People (especially the parents of hurt children) that are victims of a dog injury want compensation for injuries. When a dog owner doesn’t have the right coverage, the injured party can go after that person’s assets or take a portion of each of your pay checks until they are fully compensated.

Filed Under: Laws, Pit Bull Insurance, Responsible Ownership Tagged With: advocacy, education, insurance, ownership

Insurance for Pit Bulls

July 20, 2008 by z3admin

This Post Was Updated on 3/19/13

Think moving or being with a home insurance company that does not allow Pit Bulls means you will have to part with your pet?  Think again!  There are options out there for Pit Bull and bully breed owners, and there are home insurance companies that do not carry breed restrictions. 

Whether your are a property owner or renter, there is no need for you to give up your beloved bully in exchange for housing – simply change your insurer and start enjoying your time with your pet.  This article will cover insurance options for both home owners and renters looking for Pit Bull friendly insurance, as well as a discussion of ways to keep your current Pit-friendly coverage.

For more information on this topic please read: What Is Dog Liability Insurance?

[Read more…]

Filed Under: Featured, Pit Bull Insurance Tagged With: bsl, insurance, ownership

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