Health Innovation

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.

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