{"id":4468,"date":"2020-10-15T11:52:07","date_gmt":"2020-10-15T11:52:07","guid":{"rendered":"https:\/\/469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io\/?p=4468"},"modified":"2020-10-15T11:52:07","modified_gmt":"2020-10-15T11:52:07","slug":"homeowners-insurance-and-the-responsible-dog-owner","status":"publish","type":"post","link":"https:\/\/swflinsurance.com\/homeowners-insurance-and-the-responsible-dog-owner\/","title":{"rendered":"Homeowners Insurance And The Responsible Dog Owner"},"content":{"rendered":"<p style=\"margin-bottom:10px;\">Your <strong><a href=\"\/homeowners\/\">homeowners insurance<\/a><\/strong> protects you from the unexpected. As much as your fur baby is a member of the family, cover your assets. Read on to see how this can affect your homeowners policy.<\/p>\n<p style=\"margin-bottom:10px;\"><strong>There\u2019s no bones about it<\/strong>, if you are like me, no home is complete without man\u2019s best friend. They bring us joy, they give us unconditional love. They give us companionship, and there nothing better than their excitement when we walk through the door at the end of the day.<\/p>\n<p style=\"margin-bottom:10px;\">U.S. households include almost 90 million dogs with their intelligence and desire to please it\u2019s no wonder they are the number one species chosen to be service and therapy animals.<\/p>\n<p style=\"margin-bottom:10px;\">That said, the <strong><em><a href=\"https:\/\/www.avma.org\/resources-tools\/pet-owners\/dog-bite-prevention#:~:text=More%20than%204.5%20million%20people,of%20those%20bitten%20are%20children.\" target=\"_blank\" rel=\"noopener\">Center For Disease Control estimates that 4.5 million dog bites<\/a><\/em><\/strong> occur each year in this country. Over half of these bites occur at a home with dogs that are familiar to the victim.<\/p>\n<p style=\"margin-bottom:10px;\">The average cost for these claims paid out was $44,760 in 2019 and this number is increasing yearly. With that in mind, many look to their own home, renters, or condo policy to provide protection against liability claims brought about by dogs, but do they?<\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"border: 2px solid #000000; background-color: #f2f2f2;\"><em>When in doubt consult with your agent who can advise the best way to protect you, your assets, and your four legged friends. <br \/>\n    <\/em><strong>~Tracy Lynne Rennspiess &#8211; SWFL Insurance<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4><span class=\"ez-toc-section\" id=\"Homeowners_Insurance_and_Animal_Liability\"><\/span>Homeowners Insurance and Animal Liability<span class=\"ez-toc-section-end\"><\/span><\/h4><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/swflinsurance.com\/homeowners-insurance-and-the-responsible-dog-owner\/#Homeowners_Insurance_and_Animal_Liability\" >Homeowners Insurance and Animal Liability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/swflinsurance.com\/homeowners-insurance-and-the-responsible-dog-owner\/#What_to_do_if_you_have_a_dog_on_the_insurance_carrier_breed_%E2%80%9Chit_list%E2%80%9D\" >What to do if you have a dog on the insurance carrier breed \u201chit list\u201d?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/swflinsurance.com\/homeowners-insurance-and-the-responsible-dog-owner\/#We_Live_In_Florida_And_This_Is_Fairly_Obvious_But_Needs_To_Be_Said\" >We Live In Florida And This Is Fairly Obvious But Needs To Be Said:<\/a><\/li><\/ul><\/nav><\/div>\n\n<p style=\"margin-bottom:10px;\">In Florida, many insurers <strong>exclude animal liability<\/strong>, ironically <strong><em><a href=\"http:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0767\/Sections\/0767.04.html#:~:text=%E2%80%94The%20owner%20of%20any%20dog,owners'%20knowledge%20of%20such%20viciousness.\" target=\"_blank\" rel=\"noopener\">Florida is #2 in dog bite claims<\/a><\/em><\/strong> annually in this country. Carriers offer it on a case by case basis taking into account the dog breed, temperament, size another factors to determine insurability.<\/p>\n<p style=\"margin-bottom:10px;\">Some insurers will not insure dogs of a certain breed, even if the breed is mixed with other more insurable breeds not on the insurance industry\u2019s canine \u201chit list\u201d.<\/p>\n<p style=\"margin-bottom:10px;\">Breeds commonly refused liability coverage are Pitbulls, Dobermans, Rottweilers, German Shepherds, Wolf hybrids, and many others. Some are excluded by carriers due to the aggressive nature of the breed like the American Staffordshire Terrier (Pitbull), while others may be excluded due to a large bite radius like a Great Dane or Mastiff.<\/p>\n<p style=\"margin-bottom:10px;\">While some insurers\/agents won\u2019t ask for your dog\u2019s breed, once there is a dog related incident, your insurer may non-renew your homeowners insurance policy, surcharge your policy, or exclude your pet altogether.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"What_to_do_if_you_have_a_dog_on_the_insurance_carrier_breed_%E2%80%9Chit_list%E2%80%9D\"><\/span>What to do if you have a dog on the insurance carrier breed \u201chit list\u201d?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ol>\n<li>Have an honest discussion with your agent about what is and is not covered by your homeowners insurance policy. If animal liability is excluded you <strong>need <\/strong>to know to protect your assets. Even if animal liability is covered once your liability limit is exceeded by an animal claim you are responsible for the exceeded amount.<\/li>\n<li>If you find out animal liability is excluded from your home policy, have your licensed, independent agent look for a new carrier, though you may still have a hard time finding coverage if you have a Pitbull, Rottweiler, or other breed on the list. That said, if your dog is trained as a service animal, therapy dog, or a member of the  American Kennel Club\u2019s Canine Good Citizen program some carriers <strong>may <\/strong>make an exception.<\/li>\n<li>Ask your independent agent for a stand alone canine liability policy. This policy covers liability claims caused by your dog even if your home owners insurance carrier wont. Pricing for this type of policy ranges from $125 annually for a small mixed breed dog to $400 annually for a spayed\/neutered Pitbull. You can have multiple dogs on the same policy and many carriers discount for more than one pet.<\/li>\n<\/ol>\n<h4><span class=\"ez-toc-section\" id=\"We_Live_In_Florida_And_This_Is_Fairly_Obvious_But_Needs_To_Be_Said\"><\/span>We Live In Florida And This Is Fairly Obvious But Needs To Be Said:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p style=\"margin-bottom:10px;\">As a side point to our discussion on animal liability some in the state of Florida own what is termed in the insurance industry as \u201cExotic&#8221; animals. Almost all carriers <strong data-ada-original-font-size=\"16\">exclude <\/strong>\u201cExotic Animals\u201d, this includes alligators, snakes, wolves and wolf hybrids, coyotes, foxes, raccoons, and other species of wildlife kept as pets.<\/p>\n<p style=\"margin-bottom:10px;\">When in doubt consult with your agent who can advise the best way to protect you, your assets, and your four legged friends.<\/p>\n<p style=\"margin-bottom:10px;\">Lastly, there are some who will criticize my use of the insurance industry\u2019s term &#8220;aggressive\u201d in describing American Staffordshire Terrier (Pitbulls). I respond to this by saying this is Kendall&#8230;and I\u2019m her Mom.  I used to think we rescued her, now I know she made it her job to complete our little family, keep us safe from geckos, make us laugh, and feel loved and missed when we walkthrough the door at the end of the day. Mission accomplished, my good girl.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your homeowners insurance protects you from the unexpected. As much as your fur baby is a member of the family, cover your assets. Read on to see how this can affect your homeowners policy. There\u2019s no bones about it, if you are like me, no home is complete without man\u2019s best friend. They bring us joy, they give us unconditional love. They give us companionship, and there nothing better than their excitement when we walk through the door at the end of the day. U.S. households include almost 90 million dogs with their intelligence and desire to please it\u2019s no wonder they are the number one species chosen to be service and therapy animals. That said, the Center For Disease Control estimates that 4.5 million dog bites occur each year in this country. Over half of these bites occur at a home with dogs that are familiar to the victim. The average cost for these claims paid out was $44,760 in 2019 and this number is increasing yearly. With that in mind, many look to their own home, renters, or condo policy to provide protection against liability claims brought about by dogs, but do they? When in doubt consult with your agent who can advise the best way to protect you, your assets, and your four legged friends. ~Tracy Lynne Rennspiess &#8211; SWFL Insurance Homeowners Insurance and Animal Liability In Florida, many insurers exclude animal liability, ironically Florida is #2 in dog bite claims annually in this country. Carriers offer it on a case by case basis taking into account the dog breed, temperament, size another factors to determine insurability. Some insurers will not insure dogs of a certain breed, even if the breed is mixed with other more insurable breeds not on the insurance industry\u2019s canine \u201chit list\u201d. Breeds commonly refused liability coverage are Pitbulls, Dobermans, Rottweilers, German Shepherds, Wolf hybrids, and many others. Some are excluded by carriers due to the aggressive nature of the breed like the American Staffordshire Terrier (Pitbull), while others may be excluded due to a large bite radius like a Great Dane or Mastiff. While some insurers\/agents won\u2019t ask for your dog\u2019s breed, once there is a dog related incident, your insurer may non-renew your homeowners insurance policy, surcharge your policy, or exclude your pet altogether. What to do if you have a dog on the insurance carrier breed \u201chit list\u201d? Have an honest discussion with your agent about what is and is not covered by your homeowners insurance policy. If animal liability is excluded you need to know to protect your assets. Even if animal liability is covered once your liability limit is exceeded by an animal claim you are responsible for the exceeded amount. If you find out animal liability is excluded from your home policy, have your licensed, independent agent look for a new carrier, though you may still have a hard time finding coverage if you have a Pitbull, Rottweiler, or other breed on the list. That said, if your dog is trained as a service animal, therapy dog, or a member of the American Kennel Club\u2019s Canine Good Citizen program some carriers may make an exception. Ask your independent agent for a stand alone canine liability policy. This policy covers liability claims caused by your dog even if your home owners insurance carrier wont. Pricing for this type of policy ranges from $125 annually for a small mixed breed dog to $400 annually for a spayed\/neutered Pitbull. You can have multiple dogs on the same policy and many carriers discount for more than one pet. We Live In Florida And This Is Fairly Obvious But Needs To Be Said: As a side point to our discussion on animal liability some in the state of Florida own what is termed in the insurance industry as \u201cExotic&#8221; animals. Almost all carriers exclude \u201cExotic Animals\u201d, this includes alligators, snakes, wolves and wolf hybrids, coyotes, foxes, raccoons, and other species of wildlife kept as pets. When in doubt consult with your agent who can advise the best way to protect you, your assets, and your four legged friends. Lastly, there are some who will criticize my use of the insurance industry\u2019s term &#8220;aggressive\u201d in describing American Staffordshire Terrier (Pitbulls). I respond to this by saying this is Kendall&#8230;and I\u2019m her Mom. I used to think we rescued her, now I know she made it her job to complete our little family, keep us safe from geckos, make us laugh, and feel loved and missed when we walkthrough the door at the end of the day. Mission accomplished, my good girl.<\/p>\n","protected":false},"author":2,"featured_media":4476,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"As much as your fur baby is a member of the family, you need to make sure you have the right coverage for the unexpected. 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