There are many insurance agencies and brokers across the United States that offer dog owner liability insurance. If your county, homeowner’s association or apartment management require this coverage, make sure you choose an insurance carrier who is licensed in your state.
It’s important that you conduct your research and review policies carefully because there are different types of coverage. For instance, a company may only provide protection if your dog is on your property. Therefore, if you’re at the park and your pet bites someone, you’ll be responsible for paying all the out-of-pocket medical expenses.
You must also factor in the premium, which vary depending on the insurance agency. Deductibles impact how much you pay. However, there are insurers that don’t have deductibles. Things such as breed type and history of incidents are weighed in as well. Keep in mind some companies may not cover certain breeds while others have no exclusions. You can also reduce your rates if your pet has gone through obedience training, and you can provide proof.
Even though it seems like you’re going the extra mile to protect yourself because others think your dog poses a threat, it’s better to get dog owner liability insurance than to deal with the financial headache of being sued if your family pet acts out.