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You can never predict what an animal is going to do.   I had a client tell me once their 14 year old dog has never bitten anyone and they wanted to decline the $25/year animal liability that I offered him.   About a month later he called me very remorseful.  He said his neighbor's toddler was over pulling on the dog's ears.   With the dog being older, he did not tolerate it and bit the girl's nose.   It was a very serious injury resulting in a tens of thousands of cosmetic surgery.   He decided to purchase the coverage after that.    I was really sad for him.    $25 of premium would have saved him $60,000.   

Dog bites account for one - third of all homeowners liablity claims.    The average claim is 30,000.

If you have a dog, purchase animal liablity for coverage.  It is usually $25/year for 300,000 of liabilty coverage.   For some carriers it is already included but you always want to discuss any new risk with your insurance agent.  Please do not assume you are already covered.

How to prevent your dog from being a liability:
1.  Keep the dog on a leash
2.  Keep the gates closed
3.  Socialize the dog
4.  Never leave dogs alone with infants or young children
5.  Discourage children from disturbing a dog that is eating or sleeping
6.  Do not play agressive games with your dog
7.  Take caution when meeting or passing by a dog
8.  Avoid adopting agressive breeds or dogs with agressive behavior.

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