Does Homeowners Insurance Cover Dog Bites?
When you think of homeowners insurance your probably do not think of your pets harming a child or other animal, however this is a leading cause of liability claims under your homeowners policy.
Below is an excerpt from a local Lee’s Summit Dog Trainer’s Blog. Follow Debra Murray for more info:
DOG BITE PREVENTION WEEK
According to the American Veterinary Medical Association, 4.5 million people are bitten by dogs each year. This number is especially disheartening since most dog bites are preventable. Dog awareness and advocacy, as well as responsible pet ownership, is where dog bite prevention begins.
1. Dog Awareness: That little phrase packs a lot of punch! Dog awareness starts with educating yourself on the basics of canine communication. It continues with seeking to be well-informed about our canine companions. If your knowledge comes from tv “experts”, your neighbor, and personal opinions, then you’ve got some more investigating to do. Dog behavior is a science. There are numerous myths and hypothetical postulations that have sadly spread like wildfire over the years. If you’re still in the dark ages believing dogs are trying to dominate their human families and be the pack leader, then that’s a good place to start looking into recent scientific discoveries. Everyone benefits from continuous growth in dog awareness.
2. Dog Advocacy: I hope you won’t be able to continue business as usual once you begin increasing your dog aware skills, and have a better understanding of man’s best friend. The humane thing to do is start advocating for, at the least, your own dog. When you recognize distress, fear, nervousness, anxiety, etc., then do your best to appropriately guide your dog. Don’t rely on their remarkable tolerance to prevent growls, snaps, snarls and bites. Kindly remove them, or the stressors that cause discomfort. You can go a step further and enlist a positive reinforcement trainer or veterinary behaviorist to guide you in improving your dog’s emotional responses.
3. Responsible Pet Ownership: This not only includes providing for the basic needs of your pet, but also forming realistic expectations. All dogs have teeth. All dogs can bite. Expecting your dog to tolerate consistent distressful situations without repercussion is irresponsible. Even our good family dogs can snap or bite when their tolerance levels are exceeded, combined, or overlooked. If you already have a dog that exhibits aggression, fearfulness, reactivity, etc., then you should take precautions to ensure the safety of your pet and others.
Pursuing the above goals will not only aid in the prevention of dog bites in your community, but also put us on a better path to becoming dogs’ best friends.
For the YouTube Video: https://youtu.be/nSPGLlLPJxY
For the full article:
Procrastination Never hurts….
I heard some terrible news today from a friend and it’s just another reminder why insurance, and having the right insurance is so important.
Have you ever tried to buy an auto policy after your carrier already told you your rates are going up because of an accident?
Have you ever tried to buy homeowners or flood insurance when the hurricane is already en route to your house?
Have you ever tried to buy health insurance after you were diagnosed with a life changing illness?
Have you ever tried to buy life insurance after a heart attack or catastrophic diagnosis?
Today I was told by a friend of mine that someone was three days away from the period of time it would take for their life insurance policy to pay out, three days.
Did you know that if you try to buy life insurance when you have cancer sometimes you have to buy a policy with a “graded death benefit?”
That means if you die within what’s usually the first two years, all you get back is your premiums or maybe all the premiums you paid back at 110%.
However if you buy an insurance policy BEFORE something happens, maybe even a convertible term policy while you’re still health you won’t be in that situation.
Convertible term allows you to purchase based on your health TODAY and then in five or ten years (usually when your income has increased or you’ve paid off your debts) you can convert all or a portion of that policy into Whole Life or a more permanent insurance policy.
Want to know more about this?
We can talk about when you have time.
However you don’t want to wait until AFTER you’ve been diagnosed to make a decision, and have to deal with much higher premiums and much more limited options.
Let me help you find peace of mind.
Or answer any questions you may have.
Click the link below to get your own coverage, today.