Pit Bull Awareness Month: Will Your Homeowner’s Insurance Be Enough?

dog bite insurance coverageIt’s Pit Bull Awareness Month and for many homeowners who live with and love a Pit Bull, they want to raise awareness of the breed whom they love.

What we want to focus on, today is whether your homeowner’s insurance will be enough to cover and protect you if you have a breed that many insurance companies consider “excluded” from coverage.

What that means is if you have a particular breed — many insurance companies differ on which breeds they are — your liability insurance won’t protect you if your dog bites someone and you may not even be able to obtain a homeowner’s insurance policy if you have one of these breeds.

Pit Bull Awareness Month: Will Your Homeowner’s Insurance Be Enough?

If your homeowner’s insurance liability coverage won’t protect you if your dog bites someone (regardless of the breed) you will be personally responsible for the medical bills and other expenses incureed by the individual who was bitten by your dog. Consider too, that particular breeds will make it difficult, or impossible to obtain or even afford a homeowners’ or renters’ insurance policy and you can clearly see the benefit of dog bite insurance to protect you, your financial stability and your dog.

How can a dog bite liability insurance policy protect you?

When you invest in a dog bite insurance policy from the Federation of Insured Dog Owners (FIDO) there are NO breed exclusions. We know that any dog, any breed and any size has the propensity to bite. Whether the dog bite is accidental or from aggression, our dog bite liability insurance policies will protect you. Regardless of the dog breed you share your life with, a dog bite liability insurance policy is a wise financial investment and it’s affordable!

Here are a few of the breeds we’ve found that are excluded from liability coverage with many homeowner and renter insurance policies:

  1. Boxers. This intelligent breed isn’t typically considered an aggressive dog, but its protective tendencies toward its family could potentially lead to a bite.
  2. Chow-Chows. These fuzzy, teddy-bear looking dogs are fiercely devoted to their humans and because of that some insurance companies deem them a bite risk. Because of their “stubborn, protective and territorial” tendencies they are considered a risky breed.
  3. Doberman Pinschers. The American Kennel Club deems Dobermans as affectionate, loyal companions, but many insurance companies see them as a bite risk.
  4. Pit Bull-type dogs and Staffordshire terriers. As “pit bull” supporters know, this breed sometimes gets a bad rap. Pit bull-type dogs include Staffordshire and American Staffordshire terrier breeds, but many insurance companies exclude them from coverage and may not even write you a policy if you have a dog that looks like a pit bull. They are deemed “dangerous and unpredictable” by insurance providers.
  5. Rottweilers. This protective breed will be a family companion who can keep the family safe from harm, but becase of their protectiveness they are excluded from liability coverage.

There are other breeds that appear on many insurance company’s “excluded breed” list. If you find you’re having a hard time obtaining homeowner’s or renter’s insurance, give us a call and get a quote on a dog bite liability policy. Presenting this to your potential insurance company may get you over the hurdle and allow you to purchase a policy to protect your home or your belongings in a rented apartment or home.

Remember, any dog, any breed, can bite. Protect yourself whether you have a small breed or a large breed dog.

Even if your homeowners insurance doesn’t cover dog bite liability, there is a solution: An affordable Dog Bite Liability Insurance Policy. 

About FIDO There are many reasons a dog may bite, and it’s not always 100% preventable. In addition to financially protecting dog owners from dog bite claims, our Canine Liability Policy also covers other injuries to people, including scratches and fall injuries caused by dogs and injuries to other animals. Please contact us today for more information at (407) 865-7477, ext. 101.

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