Over the last two weeks, we’ve talked about how important it is to train and exercise your dog. Taking them out into the real world provides an abundance of stimulation that helps to keep your dog fit and happy. As pet owners, we are responsible for our dog’s behavior both in our own homes and out in public. One of the most frequent topics we get asked about at Pet-Insurance.org is third party liability. With laws differing by state, it’s difficult to give specific answers to questions but there are some key points that every pet owner should be aware of:
1. Pet Insurance Doesn’t Include Liability Cover
The first point we need to make is that Pet Insurance does not include third party liability coverage. Pet Insurance is designed to provide you with financial help should your pet get sick or injured.
2. You Are Liable For Any Injury To Humans Caused By Your Dog
Most states say that you, as the owner, are liable for all injuries your dog causes to other people, whatever the circumstances. You could be responsible for paying for many damages including loss of earnings, pain, disability and medical bills.
3. Injuries don’t have to involve bites
Bites are just one form of injury you are liable for, for example you could also be held responsible if your pet knocks someone over or causes an accident.
4. Renters or Homeowners Insurance Is Your Best Source For Pet Insurance
Your homeowner or rental insurance policy will often include cover third party liability cover for your pet. If your pet is more recent to your home than the policy, don’t forget to declare your pet to your insurers.
5. “Dangerous Dogs” Are often not covered by homeowners/renters insurance
Some dog breeds are considered more dangerous than others, and the majority of insurers exclude these breeds from coverage. Specialized liability insurance is available for these dog breeds, but unfortunately Pet-Insurance.org cannot provide quotes for this coverage.