Dog Insurance

If you are thinking about purchasing dog health insurance for your four-legged friend, we have the top dog insurance questions to ask yourself. Dog insurance is not a one-size-fits-all topic, and your specific pet and individual circumstances are the most important factors to consider when shopping for a dog insurance policy.

Dog owners in the United States can be held legally liable for injuries inflicted or caused by their dogs. In general, owners are considered liable if they were unreasonably careless in handling or restraining the dog, or if they knew beforehand that the dog had a tendency to cause injury (e.g., bite); however, dog owners are automatically considered liable if local laws hold an owner strictly liable for all damage caused by their dog, regardless of carelessness or foreknowledge of a dog's tendencies. Homeowners and renters insurance policies typically provide liability coverage from US$100,000–300,000 for injuries inflicted by dogs;however, some insurance companies limit their exposure to dog bite liability claims by putting restrictions on dog owners that they insure. These restrictions include refusing to cover dog bites under the insurance policy; increasing insurance rates for homeowners with specific breeds; requiring owners of specific breeds to take special training or have their dogs pass the American Kennel Club Canine Good Citizen test;requiring owners to restrict their dogs with muzzles, chains, or enclosures; and refusing to write policies for homeowners or renters who have specific breeds of dogs.In Ohio, which has declared all pit bull-type dogs to be legally "vicious",the cost of special liability insurance that covers only the damage inflicted by a pit bull-type dog can exceed US$575 per year.

Owners of rental properties may also be held liable if they knew an aggressive dog was living on their property and they did nothing to ensure the safety of other tenants at the property; as a result, many rental properties forbid pit bull-type dogs and any other breeds if the rental property's insurance will not cover damage inflicted by that type of dog. The dog breeds most often targeted by insurance companies include pit bull-type dogs, Rottweilers, German Shepherd Dogs, Doberman Pinschers, Akitas (Akita Inu and American Akita), and Chows.
Data Refer : http://en.wikipedia.org/wiki/Pit_bull#Liability_insurance