Homeowners Insurance Dog Bite Exclusion
Insurers paid out 675 million in dog bite related claims in 2018.
Homeowners insurance dog bite exclusion. Sometimes the dog owners have homeowners insurance or renters insurance but the coverage for dog bites is either limited in dollar amount or excluded entirely. However some insurance companies are more conscious about approving insurance policies for homeowners that own aggressive dogs dog bites occur quite often and there are thousands of dog related insurance liability claims filed each year. A recent change in the farmers insurance policy is surprising many dog owners. But as the costs of dog bite litigation spiral some home insurance companies are refusing to write coverage for owners of certain breeds.
Dog owners have a lot of things to worry about and having a homeowners insurance policy may buy them peace of mind. Watch today s video as attorney ben schwartz gives great advice to homeowners with aggressive dog breeds. If your current home insurer won t sell you a policy that excludes dog liability ask an independent insurance agent if there are any companies that will. Homeowner s insurance can refuse to cover an insured for dog bites and other damages done by a pet that lives in the covered household if there is an exclusion in the coverage that applies to injury and or property damage caused by dogs or if there is no legal liability for the bite.
The company is no longer providing liability coverage for dog bite claims when it comes to three breeds pit bulls. An iii study found. Because dog bites are so prevalent insurance companies do everything possible to limit their risk. Get insurance for the dog another way.
This hurts victims the most which is why insurance companies should be required to cover these attacks and provide the coverage at a reasonable cost that is affordable to most people. Why homeowners insurance companies blacklist dog breeds. Dog bite claims bumped up from 15 522 in 2017 to 18 123 in 2016 or a 2 2 percent increase. About 4 5 million dog bites occur in the u s.
The average insurance payout for dog bite claims. Cases are on the rise and costs are rapidly increasing. The information insurance institute s iii analysis of homeowners insurance data found that. The average dog liability insurance claim was 33 230 in 2016 according to the insurance information institute.
The cdc estimates that dogs bite an average of 4 5 million people every year. Annually and 20 of those bites become infected according to the centers for disease control and prevention cdc. How common are dog bite claims. According to the insurance information institute iii dog bite claims account for more than one third of all homeowners insurance liability claims costing insurers about 570 million in 2015 up 16.
Homeowners insurance dog breed exclusion is one more way the insurance companies are permitted to take your money in the form of premiums and then let you down by not providing insurance coverage when you need it the most.
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