What is Dangerous Dog Insurance?

Pet insurance is not the same thing as Dangerous Dog Insurance in the slightest, and unfortunately, many pet owners are unaware of what this is. Animal liability insurance for your dog is not pet health insurance. The sole purpose of the XINSURANCE animal liability policy is to be liability insurance for the purpose of protecting you. A great deal of prejudice exists around certain dog breeds that are said to be dangerous, and thus blacklisted by insurance companies. We here at XINSURANCE know that so-called dangerous dogs are simply an unfair prejudice, but we also want our customers to be in the know.

Liability insurance protects you in case you would be exposed to liability by something you are responsible for. As the owner of a pet, you are considered responsible for the actions of your pet. While this does not necessarily mean you would be considered the attacker if your dog bit someone, it does mean that you could be held responsible for failing to properly restrain your dog. Oftentimes, you would seek out this form of insurance not because of your dog, but because of a requirement set by a landlord, government agency or the people around you. If you are in a neighborhood with a great number of children, and children may be unpredictable, it may be best to acquire liability coverage in case there is an incident involving your dog and one of the children. Similarly, if you have a dog for the purpose of home protection, you may want liability insurance in case your dog has to do their job.

However, many insurance agencies will refuse to ensure a number of dog breeds and if you are not covered properly, even potential future landlords may refuse to rent to you. Any dog that has a reputation for being dangerous, whether or not that reputation is earned, is very likely to be blacklisted, meaning no matter how great of a dog owner you are, finding a good insurance partner may be more difficult. This is where dangerous dog insurance comes into play.

Dangerous dog insurance is not necessarily coverage for dogs that are truly dangerous, but rather insurance for dogs that are perceived to be dangerous by most common insurers. Beyond being the only liability insurance available for many dog breeds, there are a few reasons you would want to seek out this kind of specialized insurance if you own one of these breeds.

The first reason to seek out this insurance depends on your local laws and ordinances regarding certain breeds of dog. Certain breeds of dog are considered different in the eyes of the law than others, specifically along the lines of the alleged danger they pose to people. This can mean that should your dog slip their leash, or should someone harasses your dog, you could be on the hook for much more than you thought, which requires more money, more time and more expertise to defend You don’t want this to happen, obviously, but you especially don’t want to be caught without the protection you need, or the money you need to afford it.

Whether or not you agree with the reasons this type of insurance exists, it’s impossible to deny that it’s important. Pet owners can be held responsible for things that they are not at fault for, and unfortunately, animals can be held responsible simply for being the breed they are. Avoiding a blindsiding by the system is the best way a pet owner can protect their pet and themselves, making dangerous dog coverage a very good investment. If you’d like to know more about this type of insurance coverage and what it offers, reach out to us at XINSURANCE. Our team is ready and waiting to help you today!

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