Do you own a dog? If you do, your dog is probably like another member of your family. He may even sit at the dinner table with you…eating the same things as you…sleeping in the same bed as you… and you love it! Having a dog can be the highlight of your life. You treat him the same as you do all the other members of your family, so you would think that your insurance company would too, right? Well, it’s worth checking into.
Yes, your insurance company does recognize your family pet. When it comes to your homeowners insurance, you will most likely be covered for damages done by your pet with a few exceptions. If your dog were to bite someone completely unprovoked, you might have a hard time proving your pet’s innocence. But if your dog is defending you or your home against a burglar, you might be covered.
The problem is there are some breeds of dogs that may be considered more aggressive than other breeds. It may not seem like a fair thing to say considering each individual dog has its own personality unique to itself. But looking at statistics from the past, it seems that certain breeds are more responsible for attacks and deaths than other breeds. It may be due to environmental causes commonly associated with certain breeds, but it is uncertain why these classified breeds have a more aggressive history.
No matter what breed your dog is, you should talk with your insurance agent to see if you are covered in case of an accident involving your dog. You need to be sure you will be able to take the proper recourse to defend your dog if he ever does anything out of his ordinary character. After all, he is a member of your family too.