Comparing Dog Liability Coverage Options for High-Risk Breeds

If you’re a dog lover, your days probably feel incomplete without cuddling with your canine buddy. More families globally now live with pets, and dogs remain one of the most preferred companions. They are loyal and smart, besides being completely adorable.

The only problem (besides the need to vacuum more often) is the risk that your dog may accidentally hurt or bite someone. They may be the sweetest creatures ever, but everyone has bad days. In the unfortunate situation that your dog causes damage to any individual or their property, the victim may demand compensation for their medical and repair bills.

Several pet parents now consider getting insurance coverage to be prepared for such unexpected scenarios. However, it is more challenging if you have a dog that’s considered a ‘high-risk’ breed. What if your policy does not extend coverage when you need it?

Looking Past Homeowners and Renters Insurance 

First, it is crucial not to rely on these policies to cover liabilities arising from your dog. You will find that some standard policies do not cover dog bites. If they do, they are likely to exclude breeds like Akitas and Chow Chows. Your Rottweilers may also be banned, so to speak. These breeds are considered riskier and are linked to multiple incidents of dog bites in the US.

A dependable coverage option is to apply for a pet liability insurance, a specialized policy that covers bites and other canine-led damage. While exploring a suitable plan for your region, ensure that it covers all breeds.

It is also worthwhile to add your property management company to the policy. Your landlord may request proof of such coverage before agreeing to rent you the required space.

Actions:

• Check whether your homeowner’s or renter’s insurance covers dog bites and includes your specific breed.
• Consider a specialized insurance policy for your pet that covers bites and other accidents, regardless of the breed.

Umbrella Insurance for Extra Coverage for Bites

What if the bite incident is severe and incurs massive hospital and recovery bills for the victims?

Renter’s insurance policies may cover dog bites, but only within limits. In serious cases, you will probably find that these limits are inadequate for all the associated damages. An umbrella insurance plan is a reliable coverage option for additional expenditure. 

Plus, what if your canine friend chews up someone’s furniture? Or bites someone in the neighborhood park? There’s no way a homeowner’s or renter’s insurance plan will cover accidents that happen off-property. But an umbrella plan will.

Another huge advantage is that you may also get support for legal fees in case the victim files a lawsuit against you. You won’t have a sudden addition to your monthly budget on account of an unfortunate mistake on your dog’s part.

Tragically, some incidents may be almost impossible to recover from. Last year, USA Today reported on a fatal dog attack in Ohio, which led to the owners getting prison time. Their pitbulls mauled their neighbor, causing her death. Incidents like these have naturally triggered an anti-pitbull sentiment in many countries.

Actions:

• Check out an umbrella insurance policy to cover serious dog bites involving steep expenses and potential legal fees.
• Ensure that the plan covers incidents happening outside your property.

Insurance Policy Bonus Riders Based on Dog Training

Another coverage option is to seek provisions from your policy provider: The good boy (or girl) advantage, if you will. 

For example, if you have a high-risk breed, such as a mastiff or a husky, you can train them for a Canine Good Citizen certification. The American Kennel Club (AKC) issues this based on your dog’s behavior. Having this certification can reduce the associated (and perceived) risk of your dog, thus lowering your insurance premium.

The American Veterinary Medical Association notes that claims related to pet anxiety insurance have been rising lately. It recommends starting training early, from puppy socialization to obedience training, and outlets for expending physical energy.

In general, responsible owners, particularly those who own high-risk dog breeds, should prioritize obedience training for their pets. Certain behavioral modifications may be necessary, especially when your dog is not on a leash or out in public. 

Actions:

• Help your dog complete behavioral training for certification, which can reduce your insurance premiums.
• Consult with your provider to see if they allow riders that benefit well-behaved dogs, even if they are perceived to be high-risk breeds.

Dogs can be real darlings, filling our homes with laughter and love. Many dogs are brilliant with children, allowing you to spend several memorable moments bonding together as a unit. 

That said, one must admit that sometimes, dogs can also be brats. They may not have intended to bite the delivery person who rang the bell too many times, but they did it anyway. If you are the proud papa of a gorgeous dog, who also happens to be a high-risk breed, it is best to have your bases covered.