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Breed-specific legislation and insurance policies for dog owners

On Behalf of | Jul 6, 2023 | Dog Bites

As a responsible dog owner, it is important to have an insurance policy that can provide coverage in case a dog bite occurs.

Insurers often have specific clauses that can limit coverage or impose conditions related to dog bites. You should also familiarize yourself with local breed restrictions in your area.

Local breed-specific restrictions

Breed-specific legislation can differ significantly depending on where you live. In many municipalities in Wisconsin, there are bans and limitations that restrict pit bull ownership. Wolf-hybrid dogs are also commonly subject to restrictions. In Milwaukee, the city places restrictions on pit bulls and rottweilers. Other cities in Wisconsin have regulations that apply to Doberman pinschers, presa canarios and mastiffs. If you own a dog, you should review the breed-specific legislation for your location. In some cases, owning a dog affected by BSLs may make it more challenging to find affordable insurance coverage, requiring you to shop around.

Insurance coverage and liability protection

If you already have rental or homeowner’s insurance, it is a good idea to review your policy so that you understand the terms. Insurance coverage can protect your interests in the event of a dog bite while supporting the needs of the person your dog bit. You need an updated policy that includes your dog’s breed.

Often homeowners are unaware that some insurers provide coverage for owners whose dogs have a history of biting or aggressive behavior. For instance, you can obtain a policy with a step-down provision that limits the amount of coverage. These policies can mitigate risk for certain dogs while covering expenses for their owners.

When you own a dog, it is crucial to be proactive, review local breed-specific legislation and find an insurance policy that covers your dog.