If I buy a dog do I need to call my New Orleans insurance broker?

Dog Bite Liability insurance and your New Orleans homeowners insurance policy is something that is not automatically included in every policy

I always thought about a dog biting a person and the damages that incur as a result

But the other day we had a claim involving a dog biting a neighbor’s dog

Would that be covered?

Your dog may be the most innocent, sweet dog you have ever owned, 

but what if,

for some unknown reason,

your family dog¬†doesn’t get along with your neighbor’s dog and it causes injury to your neighbor’s dog?

Medical bills are just as expensive for dogs

 

Dog Bite Liability insurance is not automatically included in your policy

 

Most New Orleans homeowners insurance policies today must be endorsed to include a sublimit of liability protection for Dog bite liability

A usual limit is 25,000 of liability protection can purchased with a limit as high as 500,000 may be available

 

And your dog can’t be on the prohibited breed of dog list

  • Pit Bull Terriers
  • Staffordshire Terriers
  • Rottweilers
  • German Shepherds
  • Presa Canarios
  • Chows Chows
  • Doberman Pinschers
  • Akitas
  • Wolf-hybrids
  • Mastiffs
  • Cane Corsos
  • Great Danes
  • Alaskan Malamutes
  • Siberian Huskies

The list can vary between insurance companies and their own underwriting department

Also a mix breed of any of the above could exclude liability as well

 

What can you do now if you own a dog in New Orleans?

Check your homeowners policy for dog bite liability

If so, what is the limit?

If you don’t see an endorsement,

call your insurance broker and ask what is the animal liability limit on your home insurance policy

What’s this all about?

If you are considering buying a dog,

make sure it is not on the prohibited breed list or you will be paying all claims out of your own savings account

If it is not on the list,

take a quick look at your policy or call your insurance broker to add the animal liability endorsement

At FM Agency Group we can add animal liability on a New Orleans homeowners insurance policy and also we can get it included on rental property insurance policy for real estate investors

Complete the quick form below to get started