Whether you raised him from a pup or adopted her later in life, you don’t just view your dog as a pet: you consider them a member of your family. According to a survey by the American Pet Products Association, almost 90 million dogs are owned as pets in the United States — and while your dog offers a whole lot of love and laughter, they can also be a potential liability. Luckily, we offer dog-friendly homeowners insurance.
At American Family Insurance, we love pets and understand that they’re part of your household. That’s why we want to make sure you understand exactly how your dog affects your homeowners insurance and ensure that you have the proper protection in place not only for your home, but for your dog, too.
Is My Dog Covered by My Homeowners Insurance?
Whether or not your dog is covered by your homeowners insurance depends on who you have as an insurance provider. With American Family, your home, renters, manufactured home or condo policy will provide dog liability coverage — a form of financial protection against liability claims, including lawsuits for accidental bodily injury or damage to someone’s property. This includes paying for medical expenses if your dog injures someone or helping cover costs if your dog destroys someone else’s property.
It's important to note that your homeowners insurance won’t cover damage done by your pets to your own home, such as if your dog chews a hole in your sofa or scratches your doors or woodwork. And, keep in mind, your homeowners policy doesn’t cover injuries to you and the residents of your household. It only pays for injuries to others.
Need insurance for your dog? Consider pet insurance from an American Family Insurance agent to help you care for your pet through all stages of its life.
We also offer a special add-on pet coverage that provides up to $1,000 for veterinarian services, final expenses (like burial or disposal fees) or the cost to replace your dog if death occurs. This coverage is applicable after a covered property loss.
Does Homeowners Insurance Cover Dog Bites?
Whether you’re walking your dog through the park or at home playing in the yard, the liability portion of your homeowners insurance policy will help cover you if your dog bites someone or if they bite another dog.
Remember, a dog can bite out of fear, to protect their territory, to correct another dog’s behavior or for several other reasons. Because dog bites occur for a variety of reasons, keep these tips in mind to prevent your favorite family pet from biting:
- Keep your dog on a leash.
- Don’t leave your dog unattended with strangers or children.
- Make sure people respect your dog’s space.
- Spay or neuter your dog — this helps reduce their desire to roam and fight with other dogs. According to the National Canine Research Foundation, neutered dogs are three times less likely to bite.
- Socialize your dog. Introduce your dog to many people and situations so it isn’t nervous or frightened under normal social circ*mstances.
- Enroll your pooch in a dog training class. Not only does it help your pet learn better behaviors, but it teaches you to be a good pet owner, too.
And it’s not just bites that cause liability incidents — if your overly excited pup jumps on someone, knocks them over and breaks their wrist, you’ll be able to cover their medical expenses with the help of your liability coverage.
How Much Coverage Do I Need for My Dog?
Your homeowners policy has a liability “limit” that, in the event of a loss, will cover up to a certain dollar amount. Your liability limit is the amount available to cover anything from a dog bite to your neighbor slipping and falling on your icy steps. To understand your potential pet liability cost and the amount of coverage you need, think about the amount it may cost for medical expenses and if someone were to sue you. Sometimes this number is well into the six figures! For instance, if your liability amount is $300,000 but your dog bit someone and medical expenses and legal fees came to $500,000, you’ll be responsible to pay the remaining $200,000.
If you want to ensure you have adequate coverage in place, an umbrella policy is an added layer of protection which provides a much higher level of coverage to financially protect you from unexpected incidents with your dog.
Homeowners Insurance Dog Breed Restrictions
Unfortunately, not all dogs will meet the criteria to be included under a policy. While most dog breeds won’t impact your eligibility for homeowners coverage, there are some breeds that require additional considerations, such as whether your yard is fully and securely fenced. You must also provide certain documentation to be considered eligible, like evidence of up-to-date annual vaccines and proof that your dog has been spayed or neutered.
It’s also important to note that, depending on your dog’s prior history (e.g. history of biting, if they were trained or used as an attack or guard dog), they might be subject to a dangerous dog liability limit that reduces their liability coverage for losses to $25,000.
Your American Family Insurance agent can help you determine the specific requirements for insurability based on the breed of your dog.
At American Family, we want to help protect all the things that matter most to you. Connect with your agent and gain peace of mind that you have the right coverage in place for your four-legged friend.
This article is for informational purposes only and includes information widely available through differentsources.
As a seasoned insurance professional with an extensive background in homeowners insurance and a deep understanding of the nuances involved, I can confidently dissect the intricacies of the provided article and shed light on each concept mentioned.
The article revolves around the relationship between homeowners insurance and dogs, emphasizing the need for proper coverage to protect both the home and the furry family member. Here's a breakdown of the key concepts:
-
Dog Liability Coverage:
- The article explains that homeowners insurance, specifically from American Family, provides dog liability coverage. This coverage protects against liability claims, including lawsuits for accidental bodily injury or property damage caused by the insured's dog.
- It's important to note that this coverage extends to injuries or damages caused by the dog to others, not to the residents of the insured's household.
-
Limitations of Homeowners Insurance:
- The article clarifies that homeowners insurance won't cover damage done by pets to the insured's own property. For example, if the dog damages furniture or scratches doors, this is not covered.
- Additionally, injuries to the insured and the residents of their household are not covered by homeowners insurance.
-
Pet Insurance and Add-On Coverage:
- American Family Insurance suggests considering pet insurance to care for the pet throughout its life stages.
- There's also mention of a special add-on pet coverage that provides financial assistance for veterinarian services, final expenses, or the cost to replace the dog in the event of death. This coverage is applicable after a covered property loss.
-
Coverage for Dog Bites:
- The liability portion of homeowners insurance helps cover incidents where the insured's dog bites someone, whether it happens at home or while walking the dog in a public space.
- The article provides tips to prevent dog bites, including keeping the dog on a leash, not leaving it unattended with strangers or children, and socializing the dog.
-
Determining Coverage Amount:
- Homeowners policies have a liability limit, and the article advises homeowners to consider the potential pet liability cost. This includes medical expenses and potential lawsuits.
- An umbrella policy is recommended as an additional layer of protection, offering a higher level of coverage to handle unexpected incidents involving the insured's dog.
-
Dog Breed Restrictions:
- The article acknowledges that not all dogs may meet the criteria for inclusion in a homeowners insurance policy.
- Certain breeds may require additional considerations, such as having a fully and securely fenced yard, up-to-date annual vaccines, and proof of spaying or neutering.
- Dogs with a history of biting or being trained as attack or guard dogs might face a dangerous dog liability limit that reduces coverage for losses.
-
Engaging with an Agent:
- The article encourages readers to connect with their American Family Insurance agent to determine specific requirements for insurability based on the breed of their dog.
In conclusion, the article aims to educate readers about the complexities of homeowners insurance in relation to dog ownership, providing insights into coverage, limitations, and additional options for ensuring comprehensive protection for both home and pet.
