Home and Umbrella Insurance – Dog Bite Concerns
I have a small dog (under 20 pounds) who has bitten before, including once at the vet when they tried to treat a sensitive area. While he has drawn blood, his size makes it unlikely that he could cause serious harm. Moreover, his breed is not typically associated with aggression, and I am actively working with a veterinary behaviorist and trainer to improve his behavior.
I currently hold a homeowners policy with GEICO, but I can’t remember if it included any questions regarding past dog bites. Even if it did, it seems subjective since many dogs, particularly puppies, can bite without inflicting significant damage.
Additionally, I have umbrella insurance that didn’t specifically ask about dog bites, but it did include a question about any facts, circumstances, incidents, or accidents that might lead to a claim or lawsuit. Again, this feels quite vague, as there are numerous situations that could potentially result in a claim.
In browsing this forum, I’ve noticed some skepticism from agents, but I’m looking for an objective perspective on my situation. I want to ensure I’m protected in the event my dog were to bite someone. Although it’s not likely he’ll cause serious injury, I’m aware that people can be quick to pursue legal action when given the chance. What should I consider moving forward?
It’s great that you’re being proactive about your dog’s behavior and insurance coverage. Here are a few key points to consider regarding your situation:
Disclosure: It’s generally a good idea to disclose any previous biting incidents to your insurance companies, even if they seem minor, like the one at the vet. Insurance policies often require you to provide accurate information, and failing to disclose could potentially lead to complications if a claim arises in the future.
Understanding Your Policies: Review the specific language in your home and umbrella policies regarding coverage for dog-related incidents. Some policies exclude certain breeds or any dog with a history of biting, while others may be more lenient. It’s crucial to understand your coverage limits and exclusions.
Consult Your Agent: Contact your insurance agent or company directly to ask about your specific situation. They can provide clarity on how your dog’s history may impact your coverage. Being open and honest can help in ensuring that you’re adequately covered.
Behavior Training: Continue working with your vet behaviorist and trainer to mitigate the risk of future biting incidents. Demonstrating that you’re taking steps to address any behavioral issues can be beneficial.
Document Everything: Keep a record of any training sessions, notes from the behaviorist, and any other relevant interactions. This documentation may help if you ever need to discuss your dog’s history with insurance providers.
Ultimately, the best approach is to be transparent and seek clarity from your insurer. This way, you’ll have peace of mind knowing that you’re adequately protected against potential incidents.