The primary benefit of having an insurance policy that covers breeds of dogs considered to be "dangerous," including pit bulls, is protection against lawsuits if the dog bites someone. Not every insurance company offers this type of policy, since certain dog breeds are considered too high risk to insure.Continue Reading
Some breeds of dogs, such as pit bulls, Chow Chows, Rottweilers and Great Danes, are considered high risk to insurance companies. These dogs typically have a reputation for violence or a potential to cause great bodily harm. Not all insurance companies offer coverage for breeds such as pit bulls. Some refuse to cover any damages caused by these dogs. The insurance policies that do provide liability coverage typically limit the amount of coverage to one biting incident, meaning the first time a dog bites someone, the insurance company provides benefits, notes American Insurance. Subsequent bites are not necessarily covered under these types of policies.
Dog liability insurance policies cover more than just dog bites. These policies also provide protection for the insured party should the dog cause an accident or harm someone in another way, such as tripping a person or knocking him over. Homeowners are encouraged to speak with their insurance provider before adopting a dog to confirm if the breed is covered under their homeowners policy.Learn more about Insurance