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.