Umbrella Coverage And Dog Bites
When looking for ways to cut costs in your life, you may look towards your insurance policies. While you do not want to completely drop your coverage, you may think that skipping out on some coverage options can help you save money. However, each day hundreds of lawsuits are filed, which could leave you digging deep into your pockets to pay for an accident.
One of the most common lawsuits that people overlook are dog bite lawsuits. While you may think that your furry friend is the most lovable dog around, your neighbor may not feel the same. Even the most well-behaved dogs can bite someone if they are scared or threatened. While your homeowners insurance policy may provide a limited amount of coverage, it’s limits can easily be reached if you are sued for the dog bite.
The best way to ensure that you and your four-legged friends are protected from any peril is to invest in a personal umbrella insurance policy. Umbrella policies provide additional liability coverage that goes beyond the coverage that is provided by your other policies, including your auto and home insurance. Once the limits of your existing policies are reached, the liability that is provided by your umbrella insurance policy will then kick in to ensure that you do not have to cover the costs out of your own pocket.
If your dog bites someone, you will not only be held responsible for their medical bills, but you can also be sued for pain and suffering and other damages. Since umbrella insurance policies start at $1 million in coverage, you can rest assured that you have the protection that you deserve in case of any unfortunate situation.