Owning a dog can be a wonderful thing. There are people, of course, who prefer cats (or other pets for that matter) to dogs. However, dog lovers will tell you that the cliche that dogs are man’s best friend cannot be any truer. Dogs are perfect companions and can be a lot of fun.
As much as you may love dogs, though, you have to face the reality that by nature, dogs have the tendency to bite. While this is especially true for certain dog breeds, you really never know what might happen. If, for one reason or another, your dog attacks or bites someone, you may find yourself facing a lawsuit. If the injury to the victim is great and the lawsuit gets ugly, you might even risk losing your assets.
As such, it is actually a very good idea to get dog liability insurance. However, you ought not to immediately jump into getting one. You might want to check your homeowner’s insurance policy or your renter’s insurance policy first. In some cases, insurance policies of these types cover cases wherein the policy holder’s dog attacks other people. If this is the case, then it is redundant to take out dog liability insurance.
An additional point is worth considering: the amount of coverage that your homeowner’s or renter’s insurance allots for dog bites or attacks. If the coverage is small, then you might still want to take out dog liability insurance.
Of course, even with dog liability insurance, you have to take measures to avoid dog bites as much as you can.