September 24, 2012
Dog Bites Account for a Third or All Homeowner Claims
Dog Bites account for about almost a third or all Homeowner Insurance claim dollars says a press release from the Hanover Insurance Group, dated September 17th, 2012.
“The cost of dog bite claims rose a whopping 53.4% from 2003 to 2011 according to the Insurance Information Institute.” Your homeowners Insurance may provide coverage, and the press release lists some advice before you get a new dog and how to properly train one. The article also points out: “We believe that policyholders will benefit from having an independent agent review their insurance coverages to ensure they have adequate protection against the alarming increase in lawsuits over bites by family dogs…”
Dog Bite Considerations with Insurance:
When getting a dog, there are certain breeds that insurers are more willing to cover than others. There is a general list of so called “excluded breeds”, however that list changes slightly frpm one carrier to another. Certainly Pit Bulls top the list, currently, of almost all the carriers. Also, ANY dog that has had a bite history will be of a concern when you are shopping for insurance. Contact us directly for more information concerning this.
You should also consider investigating an umbrella insurance when procuring a new dog. Umbrella Insurance can be had for a small amount of money, yet provide very broad personal liability coverage. Umbrella Insurance sits over homeowners, auto, and other personal lines insurance.
Kindly consider speaking with a licensed insurance agent in your state when considering your insurance options. Please read our disclaimer. Seek licensed counsel in all situation when you are considering purchasing or modifying any insurance policy in California or otherwise.
About Marindependent:
Marindependent Insurance Services LLC is an independent broker – agent based in mountainous Marin County California. We sell and service with the motto “We Shop So You Don’t Have to.” Being independent allows us to write insurance throughout the county and not be beholden to any one insurance company or group of companies. Marindependent – Independent Insurance in Marin.
Scott Johnson Marin Insurance Agent and Broker
Scott W Johnson – 0H11625
Independent Insurance in Marin
Marindependent Insurance Services LLC – OK10734 – Mill Valley – San Rafael – California Insurance Broker and Agent Only – 415-294-5454.
