Just as we may have been feeling grouchier and more uncomfortable, our pets also feel the strain. In fact, dog bites have been on the rise.
This may make you wonder, “What if my pet bites someone?”
Homeowners Insurance Covers Most Dog Bites
U.S. News & World Report said that nearly three times as many children were treated for injuries from dog bites in Colorado this year than in 2019. Many of these happened after states instituted stay-at-home orders.
Some factors that may impact the recent increase in animal bites are:
- Increased human exposure to animals
- Increased stress on pets
- Decreased adult supervision of pets
While our pets serve as wonderful companions, they are as susceptible to stress as we are. The ways they respond to this stress could include aggression. Because of this, we must teach children to respect pets and their space as much as we respect human space.
Children are not the only ones at risk from dog bites. Even during a pandemic, we need to maintain our households. Appliances need repaired. Furnaces need cleaned. You may need the services of a plumber or electrician.
Last week, Cleveland.com reported that a dog bit a Door Dash driver. The homeowner likely will be held responsible financially and legally.
Our friends at the Insurance Information Institute (III) report that some Homeowners Insurance policies will not cover some dog breeds considered dangerous. Once a dog has bitten someone, the insurer may charge a higher premium or not renew a policy.
I also may be a good time to update your policy for any other changes to your home or life. As an independent agency, the Keating Agency works with more than two dozen companies. We explore potential policies to help you find the one that best suits your needs.
Whether you need coverage for a new pet, or just want to review your options, give us a call. The Keating Agency is here for you.