Dog Ownership Is A Responsible Job

According to reports of the Center for Disease Control and Prevention, around 4.7 million dog bites incidents are reported each year. Whereas, Insurance Information Institute (III) reported that an average dog bite claims are one-third of all Florida cheap home insurance claims. In 2015, dog bite claims average cost was recorded $570 million, up 16 percent from the last year.

In general, homeowners’ insurance covers dog bite claims, unless the home insurance policy specifically excludes or restricts dangerous breeds. Breeds that are specifically excluded (due to their perceived tendency for being vicious or dangerous) from home insurance Florida include:

  1. Dobermans
  2. Pit bills
  3. German shepherds
  4. Rottweilers
  5. Alaskan malamutes
  6. Chow chows
  7. Siberian huskies
  8. Akitas
  9. Presa Canario bulldogs
  10. Boxers
  11. Great Danes
  12. Wolf-hybrids

Before you get a dog for your home, it is advisable to check the lists of breeds that your insurance company will not insure.

How Am I Protected Under The Homeowners Policy, FL?

If a guest or visitor to your property is bitten by or otherwise get injured by any act of your dog, the liability coverage will cover the medical expenses, property damage and other damages of the injured person. But damages in excess of the cheap homeowners policy limits will be the homeowner’s responsibility.

Am I Responsible For Trespasser Injuries?

While the situation needs to be discussed with your provider and a local lawyer. Generally, dog owners are protected under the situation where a person who isn’t permitted to enter the homeowner’s premises is bitten by the dog and file suit against the dog owner.

What Is The Average Settlement If Dog Owner Being Sued?

Generally, damages in a dog bite claims include:

  1. Medical Expenses and benefits
  2. Loss of wages
  3. Psychological counseling cost, if necessary
  4. Plastic surgery costs, if required

Guidelines For Homeowner’s To Reduce The Risk Associated With Dog Bite Claims

Reduce the possibility of your affordable homeowner’s insurance claims with these general guidelines:

  1. Keep your dogs inside the fenced enclosures.
  2. Teach your children about dog’s aggressive behavior from being teased. Children must follow safety protocols when going near or playing with them and should be supervised by their guardians.
  3. Ensure your dog is vaccinated against rabies.

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