A Nasty Bite

Do you have an aggressive dog? If so, it is a necessity to cover yourself with homeowners insurance and liability coverage.

Fortunately, most Massachusetts homeowner’s insurance policies offer coverage for the accidental dog bite. But it is important to make sure you have enough coverage. The amount of coverage you choose should depend on the size of your dog. If you live in a neighborhood or near children you can be at serious risk, children are usually the victim of most dog related attacks. If you feel that your animal may be a greater risk than talk to your insurance agent about buying more coverage to help protect yourself and your family.

It is important to talk to your insurance agent seeing as many firms will refuse to provide coverage to owners of certain types of dogs that have a reputation of being violent such as pit bulls.  They may also charge more to insure a dog that is on the list of vicious breeds. It is not required for home owner’s policies to include liability coverage for dog related injuries so it is up to you to find out if you have it or need it.  Also, if you are a tenant many renter policies exclude any coverage for dog liabilities. Your local agent will be more than happy to help you with any concerns or questions.