Animal Liability

Optional coverage for dog owners

No one expects our pets to ever harm anyone, but being prepared and having the right kind of insurance is the responsible thing to do. Many home insurance policies do not include animal liability coverage. Animal liability pays for other people’s injuries and/or medical bills if your dog is responsible. Even if your dog is gentle, it doesn’t mean it’s impossible for them to bite someone if they felt threatened. What if your dog jumps up and knocks someone down and that person is injured from the fall? Animal liability will cover that too. According to the Insurance Information Institute, the average liability claim for a dog-related injury is $33,230 and the number of liability claims has increased 18% since 2015. This means your chances of experiencing a claim have increased as well.

Here are a few tips on Animal Liability Coverage:

  • Let your insurance company and insurance agent know you have a dog. This ensures your coverage eligibility remains intact.
  • Add Animal Liability Coverage to your policy. You can add this coverage to your policy for a nominal additional premium (typically between $25-$75 annually)
  • Learn about your dog’s temperament. Have your pet spayed or neutered. Use caution when introducing your pet to unfamiliar people. Enroll your dog in obedience training. Socialize your dog so it knows how to act with other people and their animals.

At Prepared Insurance we offer an endorsement for animal liability coverage, up to $50,000. If you want to know whether your dog is eligible, please contact your agent today. We offer a bundled endorsement called Ti22 Package. This package increases or enhances over 15 coverages under your policy for one low price and provides $50,000 in coverage for animal liability.