As many of you already know that homeowners insurance and rental insurance usually covers liability for dog bites especially mad dog bites. If you are insured under those policies than you should get animal liability insurance coverage. There are certain policies present for mad dogs that include inadequate limits for the victim. You will be pleased to know that three solutions are available to the dog owners who don’t have insurance which are umbrella coverage, excess coverage and canine liability coverage. Umbrella coverage will provide coverage to those injuries and liabilities which are often not covered in normal animal insurances. An excess policy provides a higher policy limit for losses that are covered by the primary insurance. A canine liability policy is a policy written specifically for dog owners for the purpose of insuring dogs or people who, for one reason or another, cannot obtain any other coverage for injuries, damages and losses caused by their dog.
The best solution available to dog owners is to have “Umbrella policy insurance”. If you have homeowners insurance and canine insurance but it doesn’t covers canine infected injuries than you should have a meeting with your insurance provider about having a “Personal Umbrella Liability Policy”. It is basically the Umbrella policy for individuals and their families. It basically provides coverage about excess liability over underlying liability coverage but some coverage like canine liability coverage is not being covered in this policy. There is no standard form for this kind of policy, but generally the form requires the maintenance of underlying homeowners and auto liability policies with minimum combined single liability limits of $300,000 each. The important thing is to ascertain that the umbrella policy under consideration does not exclude canine inflicted injuries. It should be noted that if you cannot get Umbrella Liability policy than you should get a Canine liability policy. There are some companies which are offering the best services regarding animal insurance policies. Some of those companies are as follows…
1. Federation of Insured Dog Owners
This organization was launched to cover any kind of animal Canine Liability Insurance Policy for any breed of dogs. It provides a much needed niche for the mark with the aim to provide visual liability service to animal owners at very affordable prices. It covers all the dog breeds as well as dog bites especially from those by mad dogs. Per dog the policy rate is $75 per year. F.I.D.O.’s value extends beyond the affordable price by covering any breeds like Pit Bulls, Rottweiler’s, German Shepherds and Doberman pinschers, to name a few. The policies are available throughout the USA.
2. Pet Protection Pak
It was founded in 2013 to help the cases of dog bites insurance. The team feels proud to offer broad range of packages starting from $200 in 35 states. The limits range from $25,000 to $500,000. There are some factors which can persuade dog owners to have suitable dog bite insurance. Some policies exclude certain breeds of dogs, many landlords require tenants to insure breeds which are believed to be more aggressive, and most local laws require insurance for dogs with a history of aggression. Pet Protection Pak can help the responsible dog owners in purchasing an insurance policy suitable with their needs. They even provide dog bite insurance for breeds like pit bulls, German shepherds, boxers and Dobermans. The company also offer a discount if your canine has successfully completed the “good citizen’s test”.
3. Evolution Insurance Brokers
It has been owned by prime insurance company and offers a nationwide coverage in accordance with its policies. Agents and brokers can also access the program. They have written Personal Liability, Commercial Liability and even Off Duty Police Dogs but only when they are excluded from Municipalities coverage and Homeowners. Their coverage starts from as low as $350 for 6 months at a base limit of $100,000 in most cases. The rating factor of this company is based on bread, weight, State, History and many other underwriting factors.