| Monday, July 23, 2007 |
| A Bite Of Common Sense: Pet Liability Insurance |
When insurance agencies and lawyers refer to “pet liability insurance”, what they really mean is “dog bite insurance”. You really don’t need pet liability insurance if you own a guinea pig. However, since the 1990’s, the increase in dog bites in America is rising due to:
People wanting security dogs but not wanting to train them
The rising populations of people and dogs
The increased status given to certain breeds, such as Rottweilers and American Staffordshire Terriers.
People Are Dumb
The main reason you should get pet liability insurance if your own a dog is that PEOPLE ARE DUMB. You can say, “Don’t tease my dog,” until you’re blue in the face, and your meat head neighbor is still going to tease your dog until your dog gets so frustrated, he bites. Accidents also happen. A panicked or injured dog will bite good Samaritans purely out of fear.
If you own property AND a dog, you definitely should get pet liability insurance. You are responsible for what mischief your dog gets up to, whether it was your dog’s fault or not. You can get pet liability insurance through your homeowner’s insurance company.
If you rent, you can still get pet liability insurance. You can check with pet health insurance companies. Some of their health policies include pet liability insurance. You can also check with your landlord for his or her recommendations on where to get pet liability insurance. Your landlord might even require that you get pet liability insurance before you are allowed to rent. This would cover not only dog bites, but any damage to the property that the dog might do, like damage to wooden floors or putting holes in the wall or even having the carpets replaced.
Sacred Dog Insurance
When Native Americans first saw horses, they called them “Big Dogs” or “Sacred Dogs”. Horses are like dogs in many ways – including doing damage to property and people. One of the most dangerous animals on the planet is a sacred horse. He will flatten you – literally and metaphorically – if he is scared enough. If you have a horse, you DEFINITELY need pet liability insurance. There is no other option, really.
There are many companies offering pet liability insurance just for horse owners. Some are from homeowner’s insurance; some from specialty equine sports insurance companies and others from pet health insurance companies. Be sure to do comparison shopping before you choose your policy. |
posted by Sara @ 7:05 AM  |
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