Do I Need Liability Insurance for My Dog?

dog bite insurance

Your lovable lump of fur may be your best friend but the sad truth is not everybody likes dogs. In fact, some situations require you to have a liability insurance policy for your dog in case it bites someone. Even if your pet has never shown aggression, you may need dog bite insurance.

You Live in a Rental Home or Apartment

Before you move into a new rental or bring a new pet into your current rental, check your lease carefully or talk to your landlord. Some property owners may require you to keep a liability policy on your dog in case he hurts another resident. This may also be true because of certain local ordinances.

Your Pet Isn’t Covered in Your Homeowners’ Policy

Only some homeowners’ policies cover dog bites. If you have a dog that tends to be aggressive toward strangers, consider purchasing a policy even if it isn’t a requirement. Doing so protects you in the unfortunate event that your pet bites a guest or passerby.

You Own a Certain Breed

Some cities consider certain breeds to be more dangerous than others. If you own a “dangerous” breed, you may be required to carry a policy even if your pet prefers showing affection to showing aggression. Common breeds include:

  • Pit bulls and pit bull mixes
  • Rottweilers
  • German shepherds
  • Huskies
  • Wolf hybrids

Your insurance agent can further determine whether dog bite insurance would be right for you. Remember, it’s better to be safe than sorry. Even the nicest dog may bite if it feels threatened.