Preheader

 

Get A Quote Service Contact Refer About Home Page
 


Auto Home Business Insurance Life Disability
Home > Blog > More Than a Third of Homeowners Insurance Claims Related to Dog Bites
  • Main Menu
    • Home Page
    • Make a Payment
    • Refer a Friend
    • Join Our Newsletter
    • Important Links
    • Calculators
    • Important Files
    • Insurance Glossary
    • View our Blog (88)
    • Location Map
    • Employee Directory
    • Contact Us
    • About Us
    • Privacy Policy
  • Automobile
    • Automobile Insurance Home
    • Auto Accident Claim
    • Add Auto
    • Delete Auto
    • Add Driver
    • Order Auto ID Card
    • Auto Quote, please!
  • Homeowners
    • Homeowners Insurance Home
    • Property Loss Claim Form
    • Report Change of Address- HOME
    • Request Evidence of Home Insurance
    • Home Quote, please!
  • Renters
    • Renters Insurance Home
    • Renters Property Loss Claim Form
    • Renter's Quote, Please!
  • Motorcycle
    • Motorcycle Insurance Home
    • Motorcyle Quote, please!
  • Business & Commercial
    • Business & Commercial Insurance Home
    • Commercial Auto Insurance Quote
    • General Liability Quote Form
    • Commercial Auto Accident Claim
    • Business Owners (BOP) Quote Form
    • Request Certificate of Liability Insurance
    • Builders Risk Insurance Quote
  • Bonds
    • Bonds Home
    • Bond Order Form
  • Health
    • Health Insurance Home
    • Disability Insurance Quote
    • Long Term Care Insurance Quote
  • Life
    • Life Insurance Home
    • Change of Address - Life Insurance
    • Life Quote Request
  • Workers Compensation
    • Workers Compensation Insurance Home
    • Workers Compensation Quote
  • Rental Property Insurance
    • Rental Property Insurance Insurance Home
    • Rental Property Quote Form
  • Employee Benefits
    • Employee Benefits Insurance Home
    • Employee Benefits Quote
  • Condominium
    • Condominium Insurance Home
    • Condo Quote, please!
  • Commercial Auto Insurance
    • Commercial Auto Insurance Insurance Home
    • Add Auto
    • Order Auto ID Card
    • Delete Auto
  • Liquor Based Business
    • Liquor Based Business Insurance Home
    • Liquor Liability Quote Form
  • Watercraft & Boat
    • Watercraft & Boat Insurance Home
    • Boat Quote, Please!
  • Other
    • Other Insurance Home
    • Exit Survey
    • Claim Survey
    • New Quotes, Please!
FRIDAY, MARCH 17, 2017

More Than a Third of Homeowners Insurance Claims Related to Dog Bites

Homeowners policies typically cover the average dog bite claim, but you’ll need an umbrella policy to protect you if your dog causes a more serious injury.

Dog bites accounted for more than one-third of all homeowners insurance liability claim dollars paid out in 2012, costing insurers more than $489 million, according to the Insurance Information Institute and State Farm.

The average dog bite claim was a whopping $29,752 in 2012, III said.

Most homeowners insurance policies include $100,000 to $300,000 in liability coverage that would protect you if your dog bit someone. But, if the damages from the bite exceeded your liability limit, you’d be responsible for paying the overage, including legal expenses.

And while insurance companies typically cover homeowners with dogs, once your dog bites someone, your premiums might rise, or your insurance company might refuse to continue to cover dog bites. Some companies will require dog owners to sign liability waivers for dog bites. Others will cover a pet if the owner takes the dog to classes aimed at modifying its behavior, III says.

Personal liability coverage, also called an umbrella policy, can offer extra insurance to cover you for dog bite claims.

Be a Responsible Dog Owner

To reduce the chances of your dog biting someone, follow these tips from III:

  • Consult with a professional (e.g., veterinarian, animal behaviorist, or responsible breeder) to learn about suitable breeds of dogs for your household and neighborhood.
  • Spend time with a dog before buying or adopting it. Use caution when bringing a dog into a home with an infant or toddler. A dog with a history of aggression is inappropriate in a household with children.
  • Be sensitive to cues that a child is fearful of or apprehensive about a dog and, if so, delay acquiring a dog. Never leave infants or young children alone with any dog.
  • Socialize your dog so it knows how to act with other people and animals.
  • Discourage children from disturbing a dog that is eating or sleeping.
  • Play non-aggressive games with your dog, such as “go fetch.” Playing aggressive games like “tug-of-war” can encourage inappropriate behavior.
  • Avoid exposing your dog to new situations in which you are unsure of its response.
  • Immediately seek professional advice from veterinarians, animal behaviorists, or responsible breeders if your dog develops aggressive or undesirable behaviors.

Read More: Source

Posted 6:00 PM

Tags: home, homeowner, insurance, claims, dogs, tips
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2017
  • 2016
  • 2015

  • insurance(76)
  • tips(35)
  • home(27)
  • life(24)
  • homeowner(19)
  • auto(14)
  • safety(14)
  • car(10)
  • holiday(7)
  • health(7)
  • business(6)
  • claims(6)
  • house(6)
  • family(4)
  • homeowners(4)
  • rates(4)
  • policy(4)
  • winter(3)
  • money(3)
  • commercial(3)
  • long-term(3)
  • mistakes(3)
  • claim(3)
  • children(3)
  • halloween(3)
  • new year(2)
  • disability(2)
  • accident(2)
  • thanksgiving(2)
  • renters(2)
  • save(2)
  • long-term care(2)
  • value(2)
  • theft(2)
  • dog(2)
  • funny(2)
  • women(1)
  • dental(1)
  • texting(1)
  • permanent(1)
  • financial(1)
  • quote(1)
  • retirement(1)
  • texas(1)
  • valentine(1)
  • traffic(1)
  • inventory(1)
  • weekend(1)
  • employee(1)
  • renter(1)

View Mobile Version
Our Latest Insurance News
more...

Our Clients Say
more...
  • Erie
  • Foremost
  • Grange
  • Hagerty
  • Hartford
  • Progressive
  • Sacefo
  • State Auto
Home
About Us
Refer A Friend
Contact Us
Customer Service
Make a Payment
File a Claim
Contact Us
Auto Insurance
Home Insurance
Business Insurance
Life Insurance
Health Insurance
Other Insurance Types...
Mailing Address
999 N. Plaza Drive
Suite 630
Schaumburg, IL 60173
Contact Us
847.310.0400
nis@nwinsurance.com
Social
How Can We Help You?
or call us at
847.310.0400
Get A Quote My Policy Location Blog RSS Feed Insurance Website Builder Facebook Twitter Linkedin Blog RSS Feed Facebook Twitter Linkedin