Even though you might love the idea of having a dog, you might be concerned about the liability that can go along with a dog bite. After all, you probably don't want to have a dog that will bite someone, but you never know what could happen. Luckily, these three tips can help you protect yourself legally.
1. Install a Secure Fence
One of the first things that you can do to protect your neighbors and others from getting bit—and to protect yourself from the financial liability that you could face if your dog bites someone—is to install a secure fence. Make sure that the fence is tall enough that your dog cannot jump or climb it, and consider pouring concrete around the bottom or adding chicken wire to the bottom of your fence panels to help prevent your dog from digging out. Not only can this help protect you from liability, but it can also help keep your dog safely enclosed in your yard.
2. Put Up "Beware of Dog" Signs
You have probably seen "Beware of Dogs" signs, but you might have never thought about buying one of these signs yourself. However, installing one of these signs on your property—such as on the outside of your fence—can alert people to the fact that you have a dog. Not only can this help prevent them from entering your property and potentially getting bit by your dog, but it can also help you prove that you have taken reasonable steps to help protect people from your dog.
3. Check With Your Insurance Agent
In many cases, homeowners insurance will help cover the cost of someone getting bit by your dog. However, you will need to contact your insurance agent to make sure that your insurance company is aware of the fact that you have a dog and to make sure that you have ample coverage. Just be aware that your insurance rates could go up, especially if you have a dog that is considered to be a "dangerous breed," such as a pit bull or a Rottweiler.
Even though liability is one thing that you do have to worry about when you own a dog, there are a few ways that you can help protect yourself. By taking these steps, you can help reduce the chances of a major financial liability.
Learn more about your options by contacting home coverage insurance providers.
