Dog Liability Insurance: Protecting Yourself and Others

Dog liability insurance is becoming a more commonplace need in today's society. Many dog owners protect themselves and others by purchasing insurance in the possible event that their dog attacks someone or destroys property.

What Dog Liability Insurance Covers

Dog owners can purchase liability insurance to minimize the financial risk in the event their dog turns violent. The insurance not only protects the dog owner, but it also protects the potential victims. The insurance covers the cost of injuries to third parties caused by the dog. It covers bites and attacks to persons legally on the homeowner's premises and in some cases property damage caused by the dog. In most cases there is a maximum benefit specified on the policy.

Who Should Get Dog Liability Insurance

If your dog is among the high risk breeds, those known for aggressive behavior, it would be worth looking into dog liability insurance. Typical high risk breeds are:

  • Dobermans
  • Pit Bulls
  • Chow Chows
  • German Shepherds
  • Akitas
  • Great Danes

Owners of other breeds may or may not need liability insurance. Keep in mind, if your dog already has a history of aggressive behavior or has already attacked, it is more likely that the insurance provider will deny coverage. Even if your dog has not attacked anyone, a carrier may still deny coverage or require a higher premium based upon breed.

In today's world, where more dogs with destructive natures are in populated areas, dog liability insurance could very well protect you and potential victims from great financial risk.