If you own a Doberman pinscher, Rottweiler or German shepherd, you may have difficulty getting home protection coverage. One-third of all home claims involve canine bites and if yours is on the blacklist, companies don’t want the potential headache. You do have an option though: dog bite insurance.

What Is It?

Rather than paying higher premiums to add special insurance to your personal liability or homeowner’s policy, you can purchase a plan to specifically cover dog bites. These plans can include any breed. The coverage, usually between $25,000 and $300,000, is intended to provide for medical expenses for the injured party.

How Much Do I Need?

The amount of insurance protection you need depends on the type of canine you own. Usually the higher limit of $300,000 is recommended if you have a medium to large animal or if you have a breed considered a biting one by the CDC. If yours is neither of those, a policy of $100,000 may be sufficient. If you have small children or live in an area with them, an agent may recommend the greater amount, as kids are often the victims of bites and can be severely injured.

A typical homeowner’s policy may not fully cover you if your pet harms someone, or you may not be able to get coverage at all. Dog bite insurance allows you to protect yourself, your pet and potential victims.