It may seem unnecessary to purchase dog bite liability insurance for your dog, but if your animal hurts someone, you will be glad you have it. There are several reasons that having a policy for each dog you own is a good idea.
Sometimes, insurance is required. Some landlords will not allow a dog to live in the residence with you unless it is insured. Even if it is not required, however, many property owners prefer that you insure your dog, and some might even request to be added to the policy so that they are covered as well.
If you own your own home, your homeowner’s policy may not cover your dog’s breed. If you frequently take your dog out in public or to work, you need dog bite liability insurance to protect you while you and your dog are not on your property.
Finally, if your dog has a history of violent or even skittish behavior, it is necessary to insure the animal. Even if a dog is not aggressive, an insurance policy can cover incidents when the dog gets excited and injures someone by scratching or knocking him or her down.
You are responsible for your dog’s behavior. It is important, therefore, to get the coverage you need to uphold that responsibility.