Is Your Dog a Blacklisted Breed?

A pet owner is responsible for his/her dog’s behavior, regardless of whether or not the animal was provoked.  That’s usually where home owner’s or renter’s insurance comes in to play.  These policies typically cover the liability of the pet owner in the event of a dog bite or attack on the owner’s premises.

These standard policies cover most dogs. However, your pooch’s breed may be blacklisted by some home insurers. Many insurers classify Akitas, Alaskan Malamutes, Presa Canarios, Chow Chows, Doberman Pinschers, German Shepherds, Pit Bull Terriers, Rottweilers and Siberian Huskies as potentially dangerous.

Each year, almost 5 million Americans are bitten or attacked by dogs. According to the Insurance Information Institute, dog bites accounted for more than one-third of all homeowner’s insurance liability claims paid in 2010, totaling $412 million; the average claim was $26,166. Dog bites are the No. 5 reason for visits to the emergency room, and more than half of these bites occur on the dog owner’s property.

Given those statistics, it should come as no surprise that homeowner’s and renter’s insurance companies are as vigilant about dog bite claims as a watchdog that’s guarding a house.

To find out what you can do if your dog doesn’t qualify under your home owner’s or renter’s insurance, read the rest of the story by Michele C. Hollow at insurancequotes.com.

If your pet is accused of biting or attacking someone, the Lawyer Referral Service of the New Hampshire Bar Association can help with a referral to an attorney experienced with dog bite defense cases.  Call 603-229-0002 or request an online referral.