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San Diego Dog Bites, Homeowners Insurance Policies Exclusions

When it comes to dog bites, this blog traditionally focuses on the victims of attacks and the avenues of legal recovery they can pursue. It is equally important to advise dog owners on insurance matters to ensure that should an attack happen, victims have a sufficient source of recovery, and dog owners have insurance to provide defense and pay for the victim's damages.

One common misconception is that a traditional home insurance policy will provide coverage for dog attacks. This is false. Given the steadily-increasing settlement cost of dog bites over the past decade, insurance companies have responded by excluding dogs as a covered risk from home and renter's insurance policies. Often the policy holder is unaware of the exclusion until it is too late.

Many homeowners and renters policies now being written contain breed-specific exclusions. For example, policies typically exclude high risk breeds such as pit bull, Akita, Alaskan Malamute, Presa Canario, Chow, Doberman Pinscher, German Shepherd, Rottweiler and Huskies.

If you own a dog and are not certain if your homeowners or renters insurance policy provides coverage for dog bites, read your policy and look for any exclusions. You can also call your insurance agent and ask them to provide in writing a statement as to coverage for dog bites. Failure to take adequate precautions could lead to financial ruin.

It is equally important to obtain experienced legal counsel if you or a loved one has been bitten by a dog. Doing so ensures prompt investigation to determine if the dog's owner has adequate insurance to cover associated medical costs.

If you or a loved one has been the victim of a dog bite or attack, or if you or a loved one is hurt, or killed, due to a dog bite or dog attack, experienced legal representation can make all the difference. For over 35 years our attorneys at the Law Office of David P. Beeson have been helping victims of dog attacks. Experience counts. Visit our website at www.beeson4law.com or give us a call us at 619-233-6078.

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