Dog Liability Insurance for the At-Risk Owner

As a dog owner you are exposed to the possibility that your dog may inadvertently or otherwise be responsible for biting someone, as well as causing other canine-inflicted injuries. The fact is that dogs bite at least 4.5 million Americans every year, with children being the victims of some of the more serious attacks, and the annual losses exceed $1 billion annually.

Because the dog owner’s own relatives, friends and neighbors are oftentimes the most likely victims of a possible dog attack, having dog liability insurance in Florida means protecting the people who are closest to you. Why wouldn’t you want this to be the case? After all, it equates to protecting valuable relationships, as well as ensuring that loved ones, when injured, will receive the treatment they deserve.


Some home and renters policies may not provide enough

Since there is no law that requires homeowners and renters insurance policies to provide coverage for injuries, damages and losses inflicted by dogs, you might want to purchase a stand-alone policy. The sad fact is that, consequently, there are homeowners and renters policies that exclude injuries caused by a dog, or any animal for that matter, while other policies may exclude injuries caused by certain breeds of dog.

Some insurance companies have even expressed concerns in selling homeowners insurance to the owners of certain breeds of dogs (such as pit bulls, Rottweilers, Akitas and Chow-Chows, to name a few), which have a reputation for being a danger to others and encounters often end up with someone being bitten.

Furthermore, there are policies out there that don’t offer adequate coverage, which is why pet owners need to do research and due diligence when shopping for the proper coverage for their particular situation. Traditionally, the minimum limit for personal liability coverage has been $100,000. But a limit of $300,000 is more appropriate if your household contains, let’s say, a medium sized dog, as the higher limit is a requisite of a personal excess policy.

No dog owner should purchase a homeowner policy or renter’s policy that excludes canine-inflicted injuries, unless he or she buys a supplemental Florida dog liability insurance policy that covers them in the event that anyone is bitten by their pet.