Dog Liability Insurance
Dog owners take on a number of responsibilities. Most of these relate to the welfare of the
dog. They must take steps to provide adequate food and shelter for their dog, schedule regular veterinary visits,
and generally ensure that their pooch leads a healthy and active lifestyle.
However, many dog owners overlook the fact that they are also responsible for their dog’s
behavior. They believe that once their dog has completed some obedience training and can follow some basic
commands, their responsibility for this aspect is at an end. The reality is that the dog’s owner can be held
financially responsible if their dog causes harm to a person or to another person’s property. That’s why
responsible dog owners purchase dog liability insurance.
Dog Liability Insurance - What You Should Know
Most dogs are friendly and well-behaved, anxious to please, and affectionate
companions. It's not unusual for owners to make absolute claims regarding the behavior of their dogs, making
statements relating to how their dog never bites or always behaves in a gentle and respectful manner. Though this
may be true enough in most instances, dogs are nonetheless animals and therefore capable of behaving in
unpredictable ways. A dog can easily be distracted by the presence of another animal, and after deciding to give
chase, run into a busy street and cause a car accident.
Admittedly, such a situation may be a rare occurrence, but it could be a
distressing happening on a number of levels. If it’s determined that the dog actually caused the automobile
accident, then the dog’s owner could easily be held responsible. That may mean financial responsibility, and
depending upon the severity of the accident, that could be seriously damaging to a family’s finances. With dog
liability insurance, however, the owner has a safe, reliable way to pay for any damages that might be
Dog Liability Insurance - Inexpensive
Such insurance might be useful even in the event of a smaller mishap, such as a
dog nipping a neighbor. Perhaps treatment of the bite might only require a stitch or two, but if the neighbor
decides to sue, the dog owner will be very grateful they had the foresight to consider the possible consequences of
bringing a dog home.
Dog liability insurance is an inexpensive addition to existing insurance
policies. It can help the dog owner hire an attorney, pay for damages, and generally provide a responsible safety
net for any incident in which their dog is involved.