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An animal liability exclusion endorsement, also known as a canine liability exclusion, specifies that the insurance company will not accept claims or make payouts for animal/dog-related incidents, including property damage caused by animals or dog bite personal injury lawsuits.
Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to the liability limits (typically $100,000 to $300,000). If the claim exceeds the limit, the dog owner is responsible for all damages above that amount.
Canine liability insurance can pay for medical expenses and claims filed against you as well as covering damage done by the dog to another person's property or another animal. Apartments and rental companies have begun to require canine liability insurance due to increases in lawsuits.
Animal Liability Insurance protects you in the event of damages or injuries caused by your dog or other pet that you own. Liability insurance is a form of third-party coverage, meaning that it compensates others ? not you or members of your household.
Do I need to tell my insurance company my dog's breed? Yes, because it could cost you if you don't. If you're not honest about your dog's breed or bite history when you apply for a policy or update your current policy, your home insurance company could deny any future claims.