Dog bite homeowner insurance

Insurance For Dog Bites and Preventing a Lawsuit     

Dog bites account for more than 90% of all animal bites and approximately 4.5 million dog bites occur each year in the U.S. With more than 30,000 victims requiring reconstructive surgery, while you may be a responsible pet owner, you can’t always predict how your dog may react to another person. It is not uncommon to have an unprovoked attack, as any motion that your dog perceives as a potential threat could set an attack into motion.

A dog, for whatever reason, may become irritated and it’s up to you to recognize and avoid situations where a dog might become uncomfortable, such as being repeatedly struck in the face by a child, or any other situations that could possibly irritate the animal. In the event there is an attack, provoked or otherwise, you’re going to need the protection of insurance for dog bites.

Dog bite prevention requires safety and a little common sense

It may, as is often the case, be an unfortunate friend or family member who gets bitten. As a pet owner you need to do everything in your means to prevent an attack and reduce the possibility of a lawsuit. All dog owners have the same concerns when it comes to their pet biting or harming someone.

Just because your dog may have never bitten someone before doesn’t mean that it can’t or won’t happen. Use of the following safety tips can help to aid in preventing the occurrence of dog bites. Always put the animal on a leash whenever you take him or her for a walk. Avoid allowing children to pet the animal if you sense that it is feeling scared or nervous.

As a parent, do not allow your child to approach a stray or unfamiliar dog, especially if the owner is not present. Never approach a dog with quick motions and ask the owner if it’s okay to pet the dog prior to making contact. If a confrontation occurs, avoid screaming or running away, and avoid approaching an unfamiliar dog while it is eating, sleeping, or caring for puppies. Finally, don’t leave young children or infants unsupervised with a dog.

Choosing a dog breed that is compatible with any family situation is always best. For example, aggressive dogs are never ideal in a home with small children. Dogs are social animals and therefore socializing and appropriate training will help minimize the risk of dog bites, but this isn’t an excuse for not carrying ample insurance for dog bites.

Pet Liabilities and Dog Bite Homeowner Insurance

Dog bite homeowner insurance is important to secure, particularly for owners of certain breeds known for aggressive or assertive behavior. Often genetics play a key role in this issue. But some dogs also tend to be influenced by their owner’s temperament as well, and the size of the dog can also be a determining factor in just how serious the problem can be.

The issue of dog bite liabilities is obviously one of concern. Many of the dogs involved tend to be family pets, rather than strays, and more than two-thirds of dog bites happen to people already acquainted with the dog. A majority of dog bites occur to the very young and very old, and almost half of all bites to children, due to their smallness in height, are in the facial area. Many claims made against homeowner’s insurance policies are often due to dog bites.

 

Behavior modification can help to resolve some issues

At an early age puppies develop bonds and sensitivity to those people and animals in their lives, and if a young pup is not exposed to positive interaction with dogs during this period they often grow up without the necessary skills to deal with other dogs. They also may never be comfortable with people outside of their owner if not given the proper exposure. If the socialization process is delayed until the puppy is older, the dog may never be relaxed or never become socially interactive with people or other dogs.
It’s important that any children in the household handle the dog frequently and gently and never scold or speak harshly to the pet. Holding the puppy firmly and resisting the temptation to let go of it (when it squirms to be released) can also help to minimize later aggression and dominant behavior.
As the dog gets older there may come a time when most normal dogs begin to bark at strangers and guard the family and it’s property. This is normal behavior, however some dogs may begin to show objectionable aggressive behavior. Make the dog aware that this is a problem. Obedience training can help to correct these types of issues, but dog bites are often the result of fear and uncertainty in the animal as well. Dog bite homeowner insurance is the solution when an unfortunate attack occurs.