Homeowners Insurance Dog Breed Exclusion

Homeowners insurance dog breed exclusion is one more way the insurance companies are permitted to take your money in the form of premiums, and then let you down by not providing insurance coverage when you need it the most. Watch today’s video as Attorney Ben Schwartz gives great advice to homeowners with aggressive dog breeds.

Homeowners Insurance Dog Breed Exclusion

Hi, I’m Attorney Ben Schwartz,

I am doing a video today at the request of one of the attorneys in my law firm, Rob Collins. Rob and I handled a case recently, and I want to tell you a story about what happened. Our client had a Rottweiler & the dog bit someone, and the owners filed a lawsuit against our client.

This happened in the state of Delaware. If you watched any of my previous dog bite videos, you will know the in the state of Delaware, you do not have to prove that the dog owner was negligent or careless in order to have a lawsuit against them. You just have to prove that they own the dog. Delaware’s law is strict liability. The dog owner is strictly liable, strictly responsible for all the damages, injuries and losses caused by the dog.

So in this case that we handled, the dog owner did the responsible thing. They tried to keep the dog penned-up, but the dog escaped and bit someone. They paid their homeowners insurance premium on the assumption that their homeowners insurance would be there if they ever needed to rely on it. Come to find out, they did not realize it, but the homeowners insurance had what is called a dog breed exclusion.

Homeowners insurance policies can exclude coverage for certain types of dogs, or certain breeds of dogs. Pit bull, Rottweiler, German Shepherd, etc. The insurance company can have something in the policy that says, we will cover liability claims, or personal injury claims from dog bites, but not if your dog is one of these specified types of dogs. Our client did not realize that they had a breed exclusion in their policy and so they did not have insurance coverage to pay for the personal injury lawsuit against them. They ended up paying out of pocket. This is something that I think everyone should know about.

If you are a dog owner, and you have a Pit bull, Rottweiler, German Shepherd, or a mix that has some some type of potentially dangerous breeds other than a Shih Tzu, what you need to do is pull out your homeowners insurance policy… Have a look and see if there is a breed exclusion that might be used to exclude the insurance coverage from protecting you.

This is a tip that I think everyone ought to know. If you have a friend or a family member and they have a Pit bull, Rottweiler, German Shepherd, or a mix of one of these or one or more of these types, then share this video with them. That way they can know to protect themselves. Homeowners insurance dog breed exclusion is one more way the insurance companies are permitted to take your money in the form of premiums, and then let you down by not providing insurance coverage when you need it the most.

I’m Personal Injury Attorney Ben Schwartz. If you have questions about dog bite, personal injury claims, auto accident, or slip and fall cases, feel free to send me an email below.

Thanks for watching.

Homeowners Insurance Dog Breed Exclusion

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