What is Animal Liability Coverage?

We all love our furry friends and over time they become a part of the family. But we can’t forget our pets are still animals who sometimes cannot control their behavior. The American Veterinary Medical Association states there are nearly 85 million dogs living in U.S. households. About 4.5 million people are bitten by dogs each year, and most of them are children. To protect your pet and those around them, you should consider obtaining animal liability coverage.


What is Animal Liability Coverage

Animal Liability Coverage can help cover legal and medical expenses for anyone accidentally injured by your pet. Most standard homeowners policies do not include animal liability coverage. However, Florida Peninsula offers animal liability coverage at a minimal cost. This additional coverage provides a $25,000 liability sub-limit and medical payments of $2,000.  Please note, certain restrictions may apply and will be noted in your insurance policy.  Should you be interested in adding animal liability to your policy, contact your agent.


Why you should get Animal Liability Coverage

According to the Insurance Information Institute (I.I.I.), liability claims related to dog bites and other dog-related injuries cost home insurers $882 million in 2021 and the number of dog bite claims nationwide increased in 2021 to 17,989 from 17,597 in 2020. The state of Florida also has the second-highest number of animal liability claims, with 1,478 in 2021. It’s important for Florida pet owners to consider this coverage to protect their pets and those around them.


Tips for Preventing Dog Bites

To help prevent dog bites and animal liability claims, follow a few of these tips to keep your family, friends, and pets safe.

·       Do not disturb a dog while it is eating, sleeping, or chewing on a toy.

·       If you notice a dog is indicating it is uncomfortable and feeling the need to bite, put a safe distance between you and the dog.

·       Children are the most common victims of dog bites. Do not leave infants or young children unaccompanied with a dog.

·       Practice caution when exposing your dog to new situations.

·       If your dog develops aggressive and frightening behaviors, seek advice from your veterinarian.


Get Animal Liability with Florida Peninsula

Protect yourself from any liability your furry friend may cause today, call your agent to find out more about this additional coverage. Keeping your family and home safe and protected is Florida Peninsula Insurance Company’s top priority. We are one of Florida's largest homeowners insurance companies offering multi-peril policies covering homes, condos, and renters insurance. To become a Florida Peninsula policyholder get a quote or call us at 877-229-2244, Option 1.

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