727.835.1500 | 386.446.4226 THEWELCHGROUP.NET
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17221 CAMELOT CT., STE. 101 LAND O LAKES, FL 34638
INSIDE
1 Holiday Fun 2 3 Personal Goals to Make 2022 Better 2 The Importance of Hiring Licensed and Insured Workers 3 Easy Pumpkin Brownies 3 Is Community Wi-Fi the Future? 4 The Importance of Animal Liability Insurance
THE IMPORTANCE OF ANIMAL LIABILITY INSURANCE
Over the holidays, you may be planning to have family and friends over while you host celebrations. If you are a homeowner with a dog, you should double check your home insurance policy to make sure you carry animal liability coverage. If your pet injures someone, you may be held liable for their medical bills and other damages. Animal liability coverage protects you if your dog or other pet hurts someone or causes any other damages. This type of coverage is third party, meaning that it compensates others, not members of your household or yourself, when accidents happen. Animal liability insurance also protects the policyholder if another party tries to sue following an animal bite. Check over your homeowners policy to make sure it contains animal liability coverage. If it doesn’t, have you reached out to your agent to ask about a stand- alone animal liability policy?
Here at The Welch Group, we just had a friend call with concerns about a dog bite that occurred in their neighborhood. Needless to say, the dog owner did not have animal liability insurance, and the little girl who was bitten needs to see a plastic surgeon, which will be an expensive medical bill. Keep in mind that even if your dog is extremely friendly and may never bite, accidents happen. For example, if your dog gets excited to see a guest and jumps up on them, knocking them to the ground, you can still be liable for the injuries they sustain. The holiday season is chock-full of gatherings and festivities, so if you have a dog, understand that animal liability coverage is not automatically included in your policy. Contact your carrier today to double check your policy!
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