Homeowners insurance covers pet liability and property damage. This provides a basic layer of protection for Ponte Vedra Beach, FL, homeowners who want to avoid paying tens of thousands of dollars out of pocket in the event of an unfortunate incident. However, it’s important to realize that this coverage is very limited. The average pet-related claim is almost $50,000, and you’ll soon hit your policy limits if you rely on homeowner’s insurance alone. That’s why pet owners throughout the country invest in umbrella insurance in addition to a homeowner’s insurance policy.
What Can Umbrella Insurance do for Pet Owners?
Umbrella insurance increases liability limits for your home insurance policy. If pet damage exceeds home insurance coverage, umbrella insurance picks up the slack. Plus, umbrella insurance extends coverage to incidents that happen off your property and covers legal bills related to pet-related injuries and property damage.
Another advantage of umbrella insurance is that it can cover dog breeds that homeowner’s insurance won’t cover. American bulldogs, Great Danes, Alaskan Malamutes, mastiffs, Akitas, Chow Chows, and others are often excluded from coverage even if they’re well-trained and don’t display aggressive behaviors. Umbrella insurance can cover these dogs, and it’s vital that you do so. Large breeds can cause a tremendous amount of damage (and serious injury), and even a single incident can cause you tens or even hundreds of thousands of dollars.
Call Palm Valley Insurance Inc. for More Information
Our team at Palm Valley Insurance Inc. is always happy to help Ponte Vedra Beach, FL, pet owners get umbrella coverage that meets their specific needs. Call us, and we’ll help you go over your policy options to find one that offers maximum coverage for your pet(s) at the best possible price.
