Insurance Services of Washington Blog
Having a pet in your home is a way to destress from your heavy workloads. A dog is your best friend, but it can also be a source of headaches if it is not appropriately trained. If your dog bites a guest, it is your responsibility to have them treated. The rabies virus can be dangerous. What should you do if your dog attacked your neighbor or your guest?
Coverage of Home Insurance
Typically, homeowners insurance includes general liabilities in case a disaster happens. Repairs on damages inflicted by a natural disaster are part of the insurance coverage. Some guarantees can protect your home from theft and vandalism. List down what you need, and know what coverages does your home need. Moreover, do you know that there are policies that cover your pet as well?
Dog Bite Liability
In some agencies, dog bite liability is a separate policy from homeowner insurance because some homeowners do not have a dog. For those who have dogs which are highly aggressive, they might have difficulty buying this policy. This guarantee is conventional for homeowners whose dogs are friendly to the guests. If you have an aggressive pet, you can still opt for a plan; however, you must be aware that your premiums might increase because the risk is higher.
Coverage of Dog Bite Policy
Some policies are inclusive of the dog breeds. Insurance agents will ask you about your dog and its behavior. The plan generally covers the expenses in treating the dog bites, especially vaccines and medications. If a lawsuit is filed against you because of your dog biting your neighbor, your lawyer fees can be paid by the insurance as well.
Requirements in Getting the Claim
If you are paying for your policy regularly, you can get your claim quickly if your dog attacks someone. You need to present your contract. Then, if you go to an animal bite center to have the victim vaccinated against the virus, you can bring the receipt to be reimbursed. Provide the necessary documents, and you will get your claim in a short time.
If your dog is not trained to socialize with other people, do not let it roam around your house if you have guests. Even though your dog bites someone accidentally, it is still your responsibility. You need to secure home insurance that can cover dog bites.
At Insurance Services of Washington Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (425) 868-1123. Get your free quote today by CLICKING HERE.