Does My Homeowners Insurance Policy Cover My Dog?

If you are a new homeowner in Fort Myers, FL, you need the services of a reputable insurance agency such as SWFL Insurance Agency Inc. The agents will help you determine whether or not your homeowners insurance covers your dog. Dog owners often have to deal with liability claims if their dogs bite other people within their property. Over half of dog attacks happen within a homeowner’s property. Each bite costs about $30,000. It may be a lot to pay out of the pocket.

Even though homeowners insurance may cover your dog, it does not cover any injuries or illnesses for your pet. You need a separate insurance policy for that. Coverage for your dog varies depending on your location, your insurance provider, and the type of dog you own.

Are All Breeds Covered?

Some insurance providers do not cover certain breeds of dogs. They stay away from breeds such as German Shepherds, bulldogs, and breeds that are considered aggressive. If you already have homeowners insurance, ask your insurance provider if they blacklist any breeds. Notify them if you purchase dogs that may be considered aggressive. Your premium rates may go higher.

What If Your Home Insurance Doesn’t Cover Your Dog?

If your insurance provider does not cover your dog under homeowners insurance policy, do not give up. Ask our insurance agency to help you find an insurance company that does. It is possible to find a provider that is lenient. Another option is to get a separate insurance policy. Pet liability insurance helps you pay for liability claims if your dog harms other people. This policy covers your dog regardless of its breed. It helps you to reduce claims on your homeowner’s insurance.

Contact SWFL Insurance Agency Inc. for your homeowner’s insurance in Fort Myers, FL.