Adopting a dog? Here’s what you need to know about your insurance.

For argument sake- your dog is named Fido.

Now we know that your dog Fido is going to be the best doggie ever.  Of all the dogs in the world- Fido will be the cutest, most well behaved, polite,  and best smelling dog at the dog park.  When the doorbell rings,  Fido will never get hyper.  When some one comes over,  Fido won’t jump up on them or pee unexpectedly.  When the UPS truck or mail truck goes by, Fido won’t ever bark or growl or chase after it.  At the dog park-  if a random dude throws a ball for his own dog- Fido won’t chase after it- because Fido will know that it is not HIS ball.  And if you’re running with your friends at the dog park you will always, always, always watch out for the humans and run around them- because you know that they are chatting and drinking their Starbucks and have their backs turned to you.

Fido will be amazing.

But those other dogs-  well- I hate to break it to you…  dogs bite about 4.5 million people every year.  20% of those bites are serious enough that the person who got the bite has to go and get some kind of emergency medical attention.  

3 main reasons for an insurance claim

Your homeowners insurance policy (or condo/renters insurance) has a little “bucket” of money earmarked for liability coverage.  That’s the money that protects you in case you get sued for something (classic example- someone slips on your sidewalk).  But did you know that approximately 1/3 of all of the liability money in property insurance policies paid out annually in the US goes to pet owner claims?  In fact in 2018- the average insurance claim paid out for pet liability was $39,017.  These claims generally happen one of three ways:


Make sure you are protected

How much protection do you need?

Who is covered by my home insurance policy?

The Final Word

If you have a dog or are planning on adopting a dog and you live in a home or a condo- you likely already have a homeowners or condo policy- because you probably have a mortgage and your mortgage requires one.

But if you live in a place that you do not own- such as an apartment, duplex, your boyfriends house where you don’t pay rent, or even your parents house- you should have a renters policy.  Renters policies are relatively inexpensive and the liability coverage they give you are well worth it if you are a dog owner.  Yes- you can (and should) get a renters policy if you are over 18 and live with your parents or another relative who doesn’t charge you rent- read this post here for more reasons why.

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If you'd like to explore your insurance options, please visit our contact page or connect with a member of The Richards Group team at (262) 326-4750.

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