Homeowners Insurance After Dog Bite
In most cases the answer is yes.
Homeowners insurance after dog bite. 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. And these details are often influenced by the particular state with some providers provisionally agreeing to include dog bite liability in a policy or not insuring for dog bite liability at all. In other cases you may need additional coverage to. You cannot predict all instances of their behavior.
1 for most homeowners and renters a standard policy generally covers any legal liability that may result from their dog biting or harming another individual. Dog bites are not something that most homeowners spend much time thinking about but the reality is that this is one of the most common homeowners insurance claims in the country. If your dog bites someone and the legal fees or the personal injury bills extend beyond your liability maximum you may be required to pay for the difference on your own. We also have landlord non owner occupied policies if a property owner has had to file a claim as a result of a tenant s dog.
However the insurer may also require the removal of the dog from the home or cancel the policy. It is absolutely vital that you understand louisiana laws concerning dog bite negligence and how this can affect dog bite claims against your homeowner s insurance policy. It s important to recognize that there s no specific. More than one third of all homeowners insurance claims involve dog bites totaling aggregate damages of about 700 million in 2017 according to the insurance information institute.
Homeowners insurance is designed to protect homeowners from unexpected accidents and expenses that might occur on their property whether inflicted by the homeowner an animal that they care for or an unpreventable source. You love your pet. Insurance after a dog bite occurs. Insurance companies claim that they also consider the background of the homeowner.
Most people would ask if a case of the dog bite will affect their home insurance policy. The payout claims have also been raised. Such liability claims and injuries have caused higher medical expenses and legal claims. Einhorn insurance offers responsible pet owners home condo and renters insurance that will allow you to keep dog s.
According to the insurance information institute in 2018. You need to check the language of your policy to determine whether or not your policy provides coverage. You do all you can to keep your pet safe. Can i keep my dog s after a dog liability or dog bite claim.
The premium of the insurance policy can increase and there might be a chance of non renewal of the policy. But dogs are animals. In most situations homeowners insurance will cover dog bite injuries that happen on a dog owner s property. What happens to my homeowners insurance after my dog has bitten someone.
Insurance information institute and state farm. To get the best homeowners insurance after a dog bite can be difficult. When a dog bites a person your home insurance may cover your losses. According to a study in 2017 18522 dog related incidents have taken place which means there has been a 9 5 increase since 2003.
2 typically this coverage is designed to extend to. Even after you ve filed a dog bite or dog liability claim regardless of how much was paid out your dog s can still live with you.
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