I remember biking as a kid. My younger sister right behind me on her bike.
The neighbor two houses down had 2 dogs (don't remember the type, but I remember they were big) out while doing yard work. My sister was afraid of dogs so she crossed the street. Being the big brother I had to prove it was okay so I kept riding by.
One of the dogs came walking up to me. I ignored it and kept riding my bike. The dog came up behind me and latched onto my leg, hard!
Every home insurance company wants to know if you have pets and what type. Why? If your dog decides to take a bite out of someone the insurance company is the one who will be defending you in the liability lawsuit.
According to DogBiteLaw.com here are some statistics in the U.S.:
1.) Dogs bite more than 4.7 million people annually
2.) There are over 30 dog attacks per year that result in death
3.) Almost 800,000 bites per year require medical attention
4.) 2,851 letter carriers are bitten each year
While the family pet is generally docile and loving, they do have natural instincts to protect the family and their home. There are some breeds (PitBulls and Rottweilers are two common types) that are considered dangerous and vicious to some insurance companies. If you own these dangerous breeds they won't insure you. If they do, there's an exclusion that completely excludes coverage for animal liability.
If you have a dog, you want to make sure you have a Homeowner Insurance Policy that covers you correctly. You'll also want to seriously consider and Personal Umbrella Policy for extra coverage, because these lawsuits can go into the millions!
Call us today at (866) 272-8310 and we will make sure that you have the right policy that covers you, your family and your pets!
Take Care,
Jeff Leibowitz
http://www.atlanticagency.com/
(866) 272-8310
Wednesday, July 23, 2008
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