Eugene C. Yates Insurance Agency Blog

If you've recently taken out Sacramento home insurance and read section of your policy regarding personal liability, you’ll have noticed that in addition to covering property damage and the loss of or damage to your possessions, home insurance also helps protect you against personal liability cases arising from accidents or injuries experienced by visitors to your home. These can include injuries caused by your pet unless pets or certain dog breeds are specifically excluded.

No matter how sweet and loving your beloved dog may be, there's always a risk that a visitor may be harmed by your pet. Your dog may be caught off guard and bite someone, or he or she may jump up in excitement and knock someone over. Even friendly pets can cause harm, particularly if small children are involved.

While your home policy under your Sacramento insurance will help protect you from the costs of a lawsuit filed by someone who was injured on your property, making a claim will likely result in an increase of your homeowners insurance premiums. Note, too, that some dog breeds are seen as more dangerous than others, so they may make obtaining home insurance more of a challenge or more costly. 

In order to keep yourself and your furry friends safe, ensure that they are covered under your Sacramento home insurance policy, even if this means that they have to attend an obedience class!