What To Do If Your Dog Bites Someone (Part Two)Following on from the last issue..... In the last issue I mentioned the importance of having insurance in the unlikely event of your dog biting someone. I was of course refering to specific pet insurance. I've just read a newspaper article that raises another insurance issue. Apparently a number of insurance companies are refusing to issue home insurance to owners of certain breeds of dog that have known aggressive tendencies. They're worried that they'll be saddled with a large financial liability if the dog bites someone. This is something I've never come across before. I'm assuming the problem is - for the moment at least - restricted to the USA, where litigation is common. Where I live in the UK it might seem incredible but the opposite is true. Here there are a number of home insurers who give a discount on the premium if you're a dog owner, because they believe a dog acts as a deterrant to thieves, meaning your home is statistically less likely to be burgled than that of a non dog owner. It's a funny old world! |
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I think the moral is to check the fine print of any insurance you might have or be thinking of taking out. It may be that if you live in the USA and have a breed of dog that your home insurer doesn't like, you might be able to persuade them to continue with your cover if you can demonstrate you have separate pet insurance that will cover any liability if your dog bites someone. They still might not go for it, but it's worth a try..... Recommended reading "Dog Training Blueprint To Success".
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