Considerations for Pet Owners

Ryan Insurance & Financial Services

RSS

Jul 26, 2019

CONSIDERATIONS FOR PET OWNERS

While some insurance carriers will not insure homeowners who own certain breeds of dogs that may be considered dangerous, others will be decide on a case-by-case basis. These types of cases look at the individual dog's history and if they have injured anyone in the past. Recently, the Insurance Information Institute revealed that in 2018, insurers paid out $675 million in liability claims due to dog bites and dog-related injuries.

 

OWNER LIABILITY 

Florida is a “strict liability” state, which means an owner can be held liable for a dog bite, even if they were not aware of that the pet was aggressive prior to interaction. Also, Florida law does not require victims to prove their injuries were a result of an owner's negligence. 

 

PROTECT YOUR ASSETS

Most homeowner’s insurance policies provide animal liability coverage as an endorsement on the policy and the amounts offered can vary significantly. If a claim exceeds these limits, then the owner is responsible for all damages caused by the dog including all legal fees. Certain insurance carriers require pet owners to sign liability waivers for injuries related to dogs. 

 

BE RESPONSIBLE 

At the end of the day, it is up to the pet owner to handle their dog responsibly. The owner should consider professional training, positive social interactions, dog breed, and spaying/neutering them to reduce the chance of an injury to yourself or others. 

Return to
« All news
Previous article
Summer Safety

Bookmark our mobile website
m.seanryaninsurance.com

Conveniently access customer service and claim info directly from your cell phone. Read more.

DeLand, FL
302 W New York Ave
Deland, FL 32720
386-738-2000

Clermont
650 W. Montrose Street
Clermont, Florida 34711
352-394-1100