Dog liability insurance can be a great way to protect yourself financially in case of an unexpected accident. For most people it can be hard to know whether or not you should buy dog liability insurance, and if so how much coverage do you need.

First of all, never assume that your current liability insurance will cover you when it comes to dog bites, or attacks. Many people make this mistake, and only find out after it’s too late that their insurance policy does not cover dog bites.Due to the large number of increase in dog bites over the years, more and more insurance companies are excluding any type of liability coverage for dogs. This was not the case just a few years ago, but most companies are changing their policies.The CDC states that most of the victims that require medical attention are children and they are usually bit in the face. Another important statistic to realize is that dog bite losses usually exceed 1 billion per year!So if you want to purchase dog liability insurance it usually comes in the form of a separate policy, or as an add-on to your current homeowners policy or business insurance policy.Another big question many people have is how much liability insurance do they need to carry. While there’s not just one textbook answer, one big factor is the type of dog that you have. Obviously if you have German Shepherds they can do much more damage to someone then if you have a small Shih Tzu.Another important factor to to think about is your net worth. Obviously the more net worth you have, the more liability insurance you should carry. You should talk to your financial planner or insurance advisor in order to determine exactly how much coverage you should be carrying.So if you are at all thinking about getting a dog liability insurance policy, ensure you get a quote today. It only takes a few minutes, but can save you a lot of money in the future.