Do You Need Pet Liability Insurance?
June 5th, 2010 | 
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Animals are naturally unpredictable. Even the most docile, obedient pets can suddenly turn untamed when provoked. In some reported cases, pets even attack guests and their owners without warning. This is exactly the reason why every pet owner, especially dog owners, should consider getting pet liability insurance. In 2009 alone, it was estimated that dog bite losses went beyond one billion dollars, with $300 million paid by homeowner insurance.
Getting a pet liability insurance will help pet owners minimize the financial risks that they may face when their usually-subservient pets suddenly turn undomesticated. With 77% of dogs biting their homeowners’ family members or guests, and 50% of attacks happening in the owner’s property, no pet owner is safe from the probability that their 
pets may one day give an impulsive, spur of the moment behavior. There’s no better way to get a pet liability insurance than now.
Pet liability insurance covers the expenses that may be incurred when your pets cause injury, death, or damage to property. The most common pet insurance claims are for dog bites. Two percent of the American population or 4.7 million people are bitten by dogs annually. Getting your dogs insured not only protects your family and guests but it also secures your pocket savings when your pets show random violent tendencies.
People who have exotic pets are also encouraged to get pet liability insurance, especially if their pets emit or release harmful bodily fluids, like salmonella for lizards or venomous saliva from snakes. Acquiring liability insurance policies for exotic pets may cost a bit higher due to the fact that they also pose higher risks to humans, in general.
Whether you have canines, felines, or any kind of exotic pets, getting pet liability insurance should be thought of. These insurance policies will arm you with anticipatory options in case your pets go wild. Think of it as going the extra mile to protect yourself, your family, and your invited guests. These policies are more than just monthly premiums or annual fees. Pet liability insurance can be a measure of how much responsibility you are willing to take for choosing to have pets in your home and in your property.
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Posted in Finances, Pets | Tags: dog bites, dogs insured, exotic pets, pet insurance claims, pet liability insurance
