Preheader

 

Get A Quote About FAQ Contact Home Page
 
Postheader

Auto Home Business Life

In America, approximately 4.5 million people are bitten by dogs each year. According to the Centers for Disease Control and Prevention, boys are bitten more often than girls, and children from age 5 to 9 are the most frequent victims.

In 2018, more than 17,000 dog bite claims were filed in the U.S., according to the Insurance Information Institute. The average cost per claim was $39,000. If your dog bites someone, are you prepared?

Who Pays the Claim?
While most homeowners and renters insurance policies provide coverage for this exposure, some people elect to secure umbrella/excess liability coverage in addition to their standard policy. However, dog owners should be aware of the following:

  • Not all insurance carriers will cover all dog breeds.
  • If your dog bites or injures someone, coverage may be excluded going forward or your insurance premium may rise.
  • If a claim exceeds your insurance coverage limits, you will be responsible for paying the remainder of the claim.

Additionally, it’s important to know that each state has its own laws regarding dog owners and their liability for injuries.

What Can You Do?

If you own a dog, speak with your insurance broker to clarify whether coverage is in place, how much coverage is in place, and whether there are restrictions or limits. In addition to excluding certain breeds, for example, an insurance carrier could reduce coverage if a dog bite incident occurs away from the homeowner’s property. Know what’s included and excluded from your policy.

Of course, prevention is always better than facing a lawsuit. Dog owners can take some simple steps to reduce their risk:

  • Choose your pet wisely. Some breeds are more aggressive than others.
  • Neuter or spay your dog. Many pets become calmer after this procedure.
  • Train and socialize your dog so that it is comfortable in a variety of settings.
  • Avoid stressful situations for your pet, if possible.
  • Always maintain control of your animal at home and in public spaces. A good leash could turn out to be your best friend.

For More Information
Contact Hylant to discuss your personal insurance needs.

 

Posted 12:26 PM

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019


View Mobile Version

Home
About Us
Get a Quote
Customer Service
Newsletter
Contact Us
Auto & Home 
Power Sports
Business 
Life & Health
Hylant Headquarters
811 Madison Avenue
Toledo, OH 43604
Contact Us
Phone: 800-741-3490
Fax: 734-741-1850
How Can We Help You?
or call us at
800-741-3490
Get A Quote My Policy Location Insurance Website Builder Facebook Twitter LinkedIn Facebook Twitter LinkedIn