Federal Way, Tacoma, Seattle, Black Diamond, Puyallup and Surrounding Areas
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Dog Bites

Dog Bites

dog bites home insurance

From one dog owner to another… Dog bites and other dog related injuries may cost you.

Injuries from dog bites and other related injuries costs homeowner’s policies nearly $700 Million last year. They made up over one-third of all home insurance liability claims.   In a nutshell, that’s huge!

Here are some simple things we can do to reduce the odds that we get lumped into that one-third number.

  • Obey leash laws – your dog doesn’t have to bite someone to cause injury. Being exciting, jumping and knocking someone down can lead to a claim.  An injury caused by to trying to avoid your dog like stepping off a curb can lead to a claim.
  • Secure excited dogs from greeting guests or visitors to your home.
  • Check the perimeter of your property. Secure any weak spots that your dog can escape from.
  • Sick, injured or scared dogs may not act like their normal selves. Even though it’s their home too it might be a good idea to limit access to animals that are nursing a would or scared.

In 2017, dog bites costs rose nearly 12 percent to $37,051 from $33,230 in 2016, according to the Insurance Information Institute.

Now, to the costly part. Besides the injury to a friend, family or stranger and what harm that brings them and you, the expense is your home insurance bill. Any claim, large or small may make a significant impact on the cost of your home insurance for the next several years. I have a friend who had an $81 claim after deductible that costs him $250 a year, give or take, additional than if he didn’t have a claim at all.

Remember, it doesn’t mean you or your dog is guilty if a claim is filed against you.  A claim can come in the form of mistaken identity.  A jogger is bit by a chocolate lab on your block. After seeking treatment the jogger identifies your chocolate lab as the one who did the biting. You’re the only one on the block with a chocolate lab and so a claim is filed against you.

My advice: just take extra precaution to restrict your dog from a situation that could result in injuring someone.

Haymaker Insurance is an independent agent in Federal Way. We focus on helping with Car Insurance, Home Insurance, Pet, Earthquake, Boat and RV.

 

 

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