Did you know that liability insurance is not only available for people, but also for pets? Dogs and cats can certainly cause damage, and as an owner you are responsible for that damage. With the right liability insurance, you fortunately do not have to worry too much about these costs. It is therefore smart to take out such insurance for your pet. You may be outside with your dog and you meet your neighbor. It may just happen that the dog grabs the neighbor’s expensive pants and tears them. What now? What about animal liability ? Read more about it here!
Pets and liability
You should know that pets can be held liable for damage they cause to others. This means that if your pet bites someone or damages property, you as the owner are responsible for the financial consequences of this damage. Therefore, think about pet liability insurance. Some things are also covered by home contents insurance , so read up on it carefully.
Pet Liability Insurance
You may want to consider getting pet liability insurance if you have one. This insurance will cover the costs if your pet accidentally injures someone or causes damage to someone’s property, such as a torn pair of pants by a playful dog. With the right insurance, you won’t have to pay high costs for the damage that has occurred.
Which animals does the insurance apply to?
Pet liability insurance covers all kinds of animals, not just dogs and cats. Did you know that the insurance also covers damage caused by a pig or other animal? It also doesn’t matter how many animals you have. With the right insurance with family coverage, all your pets are individually covered.
When does liability insurance apply?
While pet liability insurance covers many types of damage, there are some specific cases where the insurance will not pay out. Damage that is intentionally caused by your pet, such as deliberately damaging property, is not covered by the insurance. So remember that intentional damage is not covered.
The value of an animal
The value of your pet can also affect what you can expect from your insurance. If your pet can recover from an accident and it is responsible to do so, insurance companies will generally cover all costs. This includes medical costs, but also other costs such as special food or travel expenses to the vet. If your pet cannot recover and dies, insurance will usually only cover the current value of your pet. This is often less than what you spent.
