Dog Bites and Homeowners Insurance

Those who own dogs are usually proud to have these canines as members of their families. Although the vast majority of dogs are friendly and well-mannered, from time to time, even the sweetest dog may have a bad day. If your pooch’s bad day includes a nip or a bite toward someone who is not in your family, you may be worried about your liability for someone’s medical bills. If you have questions about dog bites and your homeowner’s insurance in Santa Clarita, CA, read these tips from WPL Insurance Services.

Dog Bites are Common.

If your dog has bitten someone, you probably feel pretty ashamed about the whole thing. However, keep in mind that dog bites are one of the most common claims that homeowners insurance companies receive. Don’t hesitate to reach out to your insurance agent and discuss the whole situation with them. They can advise you on how to proceed.

Choose Your Dog Breed Carefully

If you haven’t yet gotten a dog and you’re considering one for your family, you may want to check with your insurance agent first. Some homeowner’s insurance policies will not cover dog bites if you own certain breeds of dogs. Often, this is related to dogs that are illegal in your jurisdiction. Check out the legalities before you take the dog home.

You Can Buy Extra Insurance for Dog Bites

If you have a nervous neighbor and a highly excitable dog, you may want to purchase extra insurance coverage specifically for the possibility of a dog bite. This means that if someone does get bitten and their bills exceed the standard liability on your homeowner’s policy, you will still be able to pay for their needs. 

If Your Dog Has Bitten in the Past

If your dog has a history of biting, your homeowner’s insurance may inform you that bites from that dog will no longer be covered, regardless of the breed of the dog. You may need to either keep the dog confined away from other people or find him a new home.

If you need advice about a dog biting situation in Santa Clarita, CA,  contact an agent at WPL Insurance Services.