According to the Insurance Information Institute, dog bite claims account for over 1/3 of all homeowner’s liability claims! So, make sure to protect yourself (and your dog) by taking extra precautions. Keep them away from strangers, and also make sure you have the right insurance protection!
Your homeowner or renters insurance policy likely covers dog bites with basic liability coverage. However, dogs with a history of previous bites are classified as “vicious” and will be excluded from your policy. Additionally, Homeowners or Renters policy limits may not be enough to cover damages or injuries you’re liable for. Depending on your assets and budget, you may want to also consider a Personal Liability Umbrella policy!
Personal Liability Umbrella Coverage
Farmers Personal Liability Umbrella insurance acts kind of like an actual umbrella. It provides additional coverage on top of your auto and homeowners liability policies! This type policy supplements your existing policies to provide additional personal liability protection.
The Umbrella policy goes into effect if the underlying liability limits on your homeowners or auto policy are insufficient. So, your policy must have certain limits in order to qualify for an Umbrella policy. Click here for more information on liability limits and Umbrella policy requirements!
Need an Umbrella insurance quote! Give us a call at 661-542-7007 to get a quote today!
#JAIA #JonAlbertInsuranceAgency #JonAlbertFarmersInsurance