Dog Bites and The Covered Canine Policy for Florida Pet Owners
Every dog owner is responsible for the actions of their pets and is exposed to possible liability for dog bites as well as other canine-inflicted injuries. Dog bites account for a large number of injuries annually, and at least 4.5 million Americans every year are bitten. Children are often the victims of the most serious attacks, and the annual losses exceed $1 billion dollars. A Florida Covered Canine Policy provides protection that a standard homeowners or renters policy may fail to offer.
Victims are often those people most familiar to the owner
The most likely victims of a possible dog attack are surprisingly not strangers or intruders, but the dog owner’s own relatives, friends and neighbors. As a dog owner, having insurance means protecting the people who are closest to you, which allows you to protect valuable relationships and ensure their proper care and treatment when they become unexpected targets.
Certainly your pet’s intentions were not malicious, especially to someone they are often familiar with. Usually it is a matter of timing, either approaching the animal while it is eating, or moving in such a way that startles or alarms the dog.
Homeowners and renters insurance policies normally provide benefits for dog bite victims, but this may also cause an increase in premiums. You should consider getting a separate Florida covered canine policy for dog bites that won’t impact your home insurance policy.
Also, other policies may exclude injuries caused by certain breeds of dog. Furthermore, there are policies that provide inadequate coverage, such as mobile home policies, which cover liability for dog bites but only up to $25,000 of the losses (meaning that the dog owner would have to pay anything over the policy limit of $25,000).
With a Florida Covered Canine Policy, you have more options available to you in terms of the type of dogs you can cover and coverage amounts.