Chance says, "Labs are not vicious. We are extremely loving, and I tolerate a lot of silly things that my mom makes me do. But, I love her very much"
It can be difficult to find insurance for your dangerous dog/pet. Even if you obtain it, dangerous pet insurance is often more expensive than insurance for your common or ill animal. That is because there is always a danger of someone being hurt by your animal, and as a result, the insurance companies include dangerous dog liability insurance on the policy, to protect you from the possible problems your dog could cause.Classifying Dangerous Pets:
Dangerous pet insurance is usually applied to dogs, since they are the most common pet to cause injuries and deaths. Insurance companies classify dogs for dangerous dog breed insurance based on their breed, for the most part. There does not have to be any history of dangerous behavior for a dog to need dangerous dog insurance. It can come down to simply what breed you choose for your new pet. What has happened; is many insurance companies have classified particular breeds as high risk breeds, meaning that these dogs are in a high risk of biting. Often, people who own a high risk breed dog have trouble getting housing insurance, because the liability portion of the housing insurance covers dog bites. This is where dangerous pet insurance comes into play. Many insurance policies are providing a separate policy to cover the dangerous pet, instead of requiring the dog to be covered in the housing policy.Dangerous Breeds:
The most common breed to be classified as a dangerous breed is the pit bull. In fact, some cities are now banning pit bulls. These dogs are often bred to be fighting dogs, and once pit bulls have been trained to fight, it is next to impossible to retrain this behavior, making these dogs dangerous no matter what their training may be. Other dogs that are sometimes classified as dangerous dog breeds are Rottweilers, Dobermans, and shepherds.Risks of Owning Uninsured Dangerous Pets:
You may be thinking of purchasing a dog that is classified as a dangerous pet. Before you head to the breeder, check with a dangerous dog insurance company to find out what your insurance options are. You do not want to own a dangerous dog without insurance.
There are a few things that could happen if you do. If you are caught, your dog could be taken away from your family and sent to a shelter. If the worst should happen and your dog was to bite or attack someone, you will be liable for the damages, without the protection of dangerous dog liability insurance. Not only that, but you will be fined and possibly sued for not having coverage if it is required in your city.Getting Your Dangerous Dog Insured:
If you own a dangerous animal, it is your responsibility to get the animal insured. Start by checking with several insurance companies to find out if the dog you are having insured is considered high-risk. Then, find out what the policy covers, and how much it is going to cost. Keep a list of several companies that you could get the insurance through. Choose the company that has the best policy combined with the best price. Make sure that any damage your dog causes to another person is covered by the dangerous dog insurance.
Once you have your policy, take steps to make sure you never have to use it! For example, make sure your pet is securely fenced in at all times. Keep in mind that a tie out is not always secure. Many dogs are able to break free from their leashes or chains. A dangerous dog must be kept in a fence! If your dog proves to be somewhat aggressive, consider keeping him or her muzzled when on walks or in public. This will be an added level of protection should your dog do something unexpected. Do not leave your dangerous dog alone with people that are strangers to your family.
Dangerous dog breeds tend to be protective of their families and territory. If you have your heart set on a certain breed of dog, but would like to avoid the necessity of having dangerous dog liability insurance, consider adopting a mixed breed that has your favorite breed as part of the mix! This is a great way to have the qualities you want in a pet, without needing the dangerous pet insurance. Not only that, but you will save a life by adopting a pet from a local shelter!
Labels: dangerous dogs, insurance