Owning a dog is a major responsibility. In addition to buying material things such as food, medicine and toys, dogs need other plans in place to protect their well-being. This is where dog liability insurance comes in. Known mostly for protecting owners against legal repercussions that could happen after a dog attack, dog liability insurance protects you from financial responsibility if your dog injures a person, another dog, or causes property damage. While it may seem like an added cost to an already pricey playmate, having dog liability insurance can save you from future financial hardship. 

What Does Dog Liability Insurance Cover?

Dog liability insurance helps to pay for any property damage or medical bills that result from a dog’s action. For example, this can include medical costs related to a fall caused by a loose dog that resulted in a broken arm. According to a Richmond personal injury attorney, “Accidents that lead to broken bones can occur out of the blue and almost always have an impact on [their] health for years to come.” In addition to medical costs, liability insurance can also cover damages done to another person’s property such as a destroyed fence. 

Why Would I Be Denied Dog Liability Insurance?

While denial for dog liability coverage is rare, it can happen. The most common reasons include the breed of the dog and the dog’s history of aggressive behavior and attacks. After an attack, the future insurance premium can increase and the insurance company can refuse to renew the policy. As for breeds, some animals are known to be more aggressive than others and are more likely to engage in dangerous behavior. 

 

Which Dogs do Insurance Companies Consider Dangerous?

Even if a dog has been with an owner since it was a puppy and has never displayed aggressive behavior, there are certain breeds that are considered dangerous. In addition to being denied liability insurance, a dog can also be banned from attending certain dog camps or schools, as well as being denied residency in certain apartment communities or areas. 

The 10 dog breeds that are commonly blacklisted include:

  • Rottweilers
  • Staffordshire Terriers
  • Pittbull Terriers
  • German Shepherds
  • Presa Canarios
  • Doberman Pinschers
  • Wolf-hybrids
  • Mastiffs
  • Cane Corsos
  • Alaskan Malamutes

Caring for a dog is much more than just playing fetch or taking it for walks. It’s important to take the necessary precautions to protect both yourself and your dog from the outside world. If you’re considering adopting a furry friend to add to your family, be sure to do some research about dog liability insurance before you bring the dog home.

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