Umbrella Insurance for Pet Owners Summary

Helpful Facts

  • Pets, especially dogs, can cause accidents or bites that result in costly liability claims, making umbrella insurance essential.
  • Dog bites represent about one-third of homeowners’ liability claims, often exceeding $49,000 and surpassing basic insurance limits.
  • Umbrella insurance covers legal fees and large claims for dog bites and other pet-related accidents that exceed standard policies.
  • Coverage extends to off-property incidents and property damage caused by pets, offering broader protection for pet owners.
  • Even high-risk breeds excluded from basic insurance may be covered by umbrella insurance, safeguarding owners from financial exposure.
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