Due to the high costs of dog-bite litigation, many home insurance providers refuse to write coverage for the owners of certain breeds of dogs. This is why in order to receive protection from your insurance company in the event your dog bites someone, you should check the requirements of your insurance carrier first. The list of dangerous breeds can include:
- Rottweilers
- Pit bulls
- Chow chows
- Siberian huskies
- German shepherds
- Doberman pinschers
- Akitas
- Boxers
- Great Danes
- Wolf-hybrids, and other
The best way to protect yourself from a dog bite claim on your Homeowner’s Insurance is prevention. Many dog bites happen on the property of the owner, so preventing a dog attack is important. The dog’s disposition can be improved by having it spayed or neutered. Do not leave your dog with small children and avoid situations where your dog can be teased or threatened. If necessary, build a fence around the yard where you keep the dog. If your dog bites someone, take action right away. Immediately confine or restrain your dog and do the best you can to help the victim. Contact local authorities to report the bite and cooperate with your insurer.