Home and Umbrella Insurance – Dog Bite Concerns
I have a small dog, weighing under 20 pounds, who has bitten before—once at the vet while they were treating a painful area. While he has drawn blood, I don’t believe he would cause significant harm due to his size. His breed is typically not aggressive, and I am actively working on his behavior with the help of a veterinary behaviorist and trainer.
I have a homeowner’s policy with GEICO, but I’m uncertain if the application inquired about any prior biting incidents. Even if it did, I think the question is subjective, as biting is common among many dogs, especially puppies, without resulting in serious injuries.
Additionally, I carry an umbrella policy that didn’t specifically address dog bites but did ask, “Are you or any member of your household aware of any facts, circumstances, incidents, or accidents that could potentially lead to a claim or lawsuit, regardless of validity, that might directly or indirectly involve you or your household?” This question also feels quite subjective, as countless life events could escalate into legitimate claims.
After exploring discussions in this forum, I see that many agents seem skeptical. I’m looking for an objective perspective on the best course of action here. My primary concern is ensuring I’m adequately covered should my dog ever bite someone. Even if the risk of serious damage is low, it’s important to consider that people can be quick to litigate when given the chance.
It’s great that you’re being proactive about understanding your insurance policies in relation to your dog’s behavior. Given the history you’ve shared, it’s wise to approach this carefully. Here are some steps you might consider:
Review Your Policies: Take the time to read through your home and umbrella insurance policies in detail. Specifically, look for any clauses related to pet liability or exclusions regarding certain breeds or behaviors. This will help you understand your coverage better.
Contact Your Insurer: Reach out to GEICO and your umbrella policy provider to ask specific questions about your coverage concerning dog bites. Be honest about your dog’s past incidents, as they may need this information to provide accurate guidance. It’s better to clarify now than face issues later.
Document Training Efforts: Since you’re working with a vet behaviorist and trainer, document these efforts. Not only can this show that you’re taking steps to mitigate risks, but it may also be useful if a claim arises in the future.
Consider Additional Coverage: If your current policies are vague or seem insufficient, you might want to explore additional canine liability or pet insurance, which can specifically cover incidents involving dogs.
Consult with a Legal Expert: If you’re still uncertain, consider speaking with a legal expert familiar with insurance and liability law. They can provide insights specific to your situation and jurisdiction.
Overall, being open about your dog’s history when discussing with your insurers can help ensure you’re adequately covered while also protecting you from potential future claims. It’s always better to be safe than sorry when it comes to potential liabilities.