Florida Homeowners Insurance

Florida Homeowners Insurance Against Dogs

If you live in South Florida, you already know that areas like Miami-Dade County have ordinances in place that do not allow residents to own Pit Bulls. Sadly, Pit Bulls, when raised by responsible pet owners, can be some of the sweetest dogs on the planet, but irresponsible dog owners, breeders and dog fighters have bred a bad name for the Pit Bull. Is Florida homeowners insurance against dogs, too? While it may seem that Florida homeowners insurance against dogs is unfair, there are statistics that support this feeling. If you live in South Florida and would like help finding homeowners insurance, you can visit https://floridainsurancequotes.net/florida-homeowners-insurance/ and get a quote today.

Dog Bite Statistics & Homeowners Insurance

If you are a dog owner and a Florida homeowner, regardless of the breed of dog, there are some serious statistics that you need to consider to ensure that you protect yourself, your family, your home, and most importantly, your precious dog. Did you know that, according to the CDC (Centers for Disease Control and Prevention), more than 4.7 million people are bitten by dogs every year? In addition to this staggering statistic, over $400 million are spent each year in medical costs related to canine-inflicted injuries. Consequently, more than 1/3 of homeowner’s insurance liability claims are related to dog bite claims. No wonder it seems like Florida homeowners insurance against dogs is prevalent!

Does Your Florida Homeowners Insurance Cover Dog Bites?

Not all Florida homeowners insurance policies cover dog bites, therefore if you are a homeowner and you also own a dog, you should read thoroughly though your homeowners policy, or you can place a call to your insurance agent to evaluate whether or not you have insurance that covers dog bites – and if your policy does not cover it, you should ask your agent if there is a policy that you can purchase that does cover dog bites and how much it will cost. Unfortunately, not all insurance companies offer policies that cover dog bites, so if you own a dog, think about the statistics that we have noted above and seriously evaluate the consequences (lawsuits, medical bills, etc.) that could occur if your dog bites someone.

My Dog Would NEVER Bite Someone!

You might be thinking, “My dog would NEVER bite someone!” Unfortunately, we are guessing that the majority of the 4.7 million owners of the dogs who bit someone last year were thinking the same exact thing. Dogs are born with a natural protection gene; therefore even the sweetest pooch could bite a person whom they consider an “intruder” or a “danger” to their home and their family, which they consider their “possessions”. Unfairly, someone might do something to provoke or frighten your dog and get bitten. Even in these cases, the dog is considered wrong and you, as the owner, will be punished in the form of a lawsuit.

Most dogs have not learned how to inhibit their bite, so they will bite a child just as hard as they will bite an adult. No matter how strongly you feel like your dog would never bite someone, understand that dogs cannot talk or explain themselves or even say sorry, so your best bet if you own a dog is to consult with your insurance agency about Florida homeowners insurance against dogs and make sure that you protect your family and your assets, just in case your dog becomes one of the sad canine injury statistics.


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