Having a new puppy join your household can change your life. The snuggles and kisses make getting up in the middle of the night for potty breaks worth it, but in the whirlwind of change, it’s easy to
Having a new puppy join your household can change your life. The snuggles and kisses make getting up in the middle of the night for potty breaks worth it, but in the whirlwind of change, it’s easy to forget some practicalities. For example, should you inform your insurance company about your new dog? Are there things you can do to keep your puppy safer? What about protecting yourself financially if your dog bites someone? Here’s what you need to know as a dog owner.
A New Puppy and Insurance Coverage
Whether you own your own home or rent, you probably have insurance coverage for the property. And you should definitely let your insurance company know if you have a new puppy because it may change your policy.
First, you want to know if you’re covered for things like damage caused by your dog. Also, you need to find out if you should add more protection (see dog bite liability below).
Pro tip: while you’re inquiring about insurance coverage, it’s worth asking your insurance agent about your vehicle. Are you covered if your pooch chews a hole in the seat (it doesn’t just happen in the movies) or punctures something with its nails?
Keeping Your Pup Safe
Did you know that Great Dane puppies grow as much in a year as the average human does from birth to high school? While your dog may become practically pony-size very quickly, you still need to protect it while it’s tiny. Here are some home puppy-proofing tips, so hopefully, you won’t have to rely on that pet insurance policy:
Find a good vet before you bring your new puppy home or soon thereafter, and they can offer more tips specific to your breed and lifestyle.
The Importance of Dog Bite Liability Coverage
Even the most friendly dog can wind up biting someone if it is scared, or believes it’s defending its owner or home. And of course, some breeds are more protective than others, particularly as they grow, and larger breeds can inflict serious damage with a bite.
That’s why every new puppy owner should discuss dog bite liability coverage with their insurance agent. Your current renters insurance and homeowners insurance policies may cover liability up to a certain amount, but dog owners might want to supplement that with a personal umbrella policy.
Do you need to double check your insurance coverage as a new puppy owner? Call USA Insurance at 575-439-9999 today. We can help ensure you’re properly protected when it comes to your new four-legged household member.