Your dog may be the goodest boy or sweetest girl in the Central Texas Hill Country—but insurance carriers still look at pet-related liability risk. One unexpected bite or injury can lead to a costly liability claim.
Many homeowners and renters insurance policies include personal liability coverage, which may help pay for injuries or property damage caused by your pet. Medical payments coverage may also help with certain medical expenses, regardless of who is legally responsible. However, coverage varies by policy and carrier.
Breed Restrictions: Every Carrier Has Its Own Rules
Some insurance companies restrict certain dog breeds, while others focus on a dog’s individual history. A prior bite or aggressive behavior can also affect eligibility. Always disclose your pets accurately and review your policy carefully.
When a Bite Becomes a Claim
Dog bite claims can involve medical bills, lost wages, legal expenses, and other damages. Texas law also imposes specific requirements on owners of dogs legally classified as dangerous, including at least $100,000 in liability insurance or proof of financial responsibility.
Don’t Assume Every Wag Is Covered
Breed exclusions, animal exclusions, prior bite history, and policy limits can create important coverage gaps. Before your pup becomes the neighborhood headline, let Dowd Insurance Agency review your coverage and help you understand where protection may stop.
