Homegrown Tales

Share this post

Another reason to have homeowners insurance: dog bites

homegrowntales.substack.com

Another reason to have homeowners insurance: dog bites

Double check what your liability insurance covers for pets

Shamontiel L. Vaughn
Mar 7
Share this post

Another reason to have homeowners insurance: dog bites

homegrowntales.substack.com
Photo credit: Hilary Halliwell/Pexels

When homeowners and condo association members renew their homeowners insurance, they may often focus on coverage for floods, property damage, guest medical coverage, and stolen or damaged items. Dog bites aren’t always at the top of the priority list, mainly because pet owners hope their dog would never bite anyone.

Recommended Read: “Rental walk-throughs: Pet-owning renters should inspect the floors ~ From pet-friendly rentals to homeowners, dodge pet floor damage early”

Unfortunately, more than 4.5 million people are bitten by dogs each year in the United States, reports the American Veterinary Medical Association. Additionally, one in five people who are bitten by dogs can’t just shake it off; they require medical attention. Of this group, children are the most likely victims of dog bites—and it’s usually a dog who they’re familiar with already.

Homegrown Tales is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.

Recommended Read: “Dirty dog, clean house ~ Keeping your home smelling and looking clean with your new dog”

This is why it’s imperative to not only guard dogs around small children but also to make sure condo insurance (or homeowners insurance) has bodily injury coverage. In a conversation between Assurant and a Black Girl In a Doggone World, the claims adjuster confirmed that pet owners would only be covered one time for dog bites, and the bite must happen on the premises. For condo association members, this includes the common areas (ex. laundry facilities, front yards, lobbies, hallways, decks).

Click here to read more.


Did you enjoy this post? You’re also welcome to check out her Substack columns “Black Girl In a Doggone World,” “Homegrown Tales,” “I Do See Color” and “Window Shopping.” Join Shamontiel as a paid Medium member, and subscribe to her free weekly newsletter too.

If you’re not ready to subscribe but want to support my writing, you’re welcome to tip me for this post! I’ll buy a dark hot chocolate on you. Thanks for reading!

Homegrown Tales is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.

Share this post

Another reason to have homeowners insurance: dog bites

homegrowntales.substack.com
Comments
TopNew

No posts

Ready for more?

© 2023 Shamontiel L. Vaughn
Privacy ∙ Terms ∙ Collection notice
Start WritingGet the app
Substack is the home for great writing