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Whether you have a pup already or are considering obtaining one, it’s worth understanding how a dog can influence your home insurance policy in Oviedo, FL.
The Owner is Liable
If your pooch is involved in a biting incident, Florida law allows any person bitten in a public place or while lawfully in a private area the right to collect damages from the owner. That can include medical bills, lost wages, and other expenses. In short, it can add up quickly.
Is Your Pup Covered?
Some liability protection likely exists in your homeowner’s policy. However, there are possible exclusions, and your policy limits may not be high enough to protect you from financial fallout should your family pet be unexpectedly aggressive. Check to see if your dog’s breed is on a restricted list. Some insurers don’t have breed restrictions at all; instead, they insure based on your pet’s biting history. Some refuse to cover dog bites entirely. It is essential to know what your insurer offers before an injury occurs.
Consider Additional Coverage
There are a few additional coverage options homeowners can consider to protect themselves against potentially catastrophic financial damage from a dog bite:
- Umbrella policies can add to your pool of available funds to pay for damages, not just from dog bites but from other claims that exceed your usual limits.
- Canine liability policies exist to provide additional protection for pet owners.
- Excess coverage can expand your limits.
The best way to determine your coverage options is to speak with an agent to help you navigate your policy details. When you are ready to pick up your new pup, be sure to call or stop by Karla Salmon Insurance to make sure your family, including your new best friend, is adequately covered.