According to the CDC, more than 4.7 million people in the United States are injured by dog bites each year, resulting in medical and liability claims amounting to over $400 million annually. Rental and homeowners insurance policies rarely include coverage for dog bites, especially if you have a dog considered “dangerous.” In fact, some landlords may be unwilling to rent to you with such a dog. By purchasing dangerous dog insurance, you protect yourself financially in the event that an injury does occur.
As a part of most dangerous dog insurance, dogs are underwritten individually. This way, every breed can be accounted for and none can be excluded. While training and lifestyle choices are the top factors that contribute to dogs becoming “dangerous,” high levels of aggression are found in certain breeds. Dog types most commonly on these insurance plans include:
- Pit Bull
- Great Dane
- Doberman Pinscher
- German Shepherd
- Wolf Hybrid
In addition to specific-breed protection, most dangerous dog insurance covers injuries both to humans and other animals. These include bites, of course, but also scratches, scrapes, clawing or causing an individual to fall. Dogs with a history of injuring a person or animal will be considered on a case-by-case basis. You know your dog loves you and only wants to protect you, but make sure you are fully covered no matter what situation might arise.