Most pets are beloved family members, bringing joy, companionship, and plenty of tail wags. But even the friendliest dog can have a bad day. A startled nip, a playful jump, or an accidental knock-over could lead to an injury – leaving you responsible for medical bills or legal costs.
Without the right insurance, a single incident could result in thousands of dollars in liability costs. This is where affordable animal liability insurance for Florida homeowners comes in. With Florida Peninsula Insurance Company, you can add this protection to your homeowners policy for just $25 per year, ensuring peace of mind for you and protection for your pet.
What Is Animal Liability Insurance?
Animal liability insurance helps protect homeowners financially if their pet accidentally injures someone or damages property.
Many Florida homeowners assume their standard homeowners insurance policy covers pet-related incidents, but it’s often not the case. Many policies exclude coverage for pet-related injuries or damage, meaning if your pet causes an accident, you could be left paying out of pocket.
Adding affordable animal liability insurance for Florida homeowners ensures you’re covered for:
- Medical bills if your pet bites, scratches, or injures someone.
- Legal fees if a claim is filed against you.
- Property damage caused by your pet.
With Florida Peninsula Insurance Company, this essential coverage can be added for just $25 per year and it provides up to $25,000 in liability coverage and up to $2,000 for medical expenses.
Why Florida Homeowners Need It
Florida homeowners face unique risks when it comes to pet ownership. Warm weather, active neighborhoods, and outdoor gatherings increase the likelihood of unexpected pet-related accidents.
Rising Costs of Pet-Related Claims
According to industry reports, dog-related injury claims cost, on average, more than $50,000 per incident – and the costs continue to climb. Even a minor accident, like a guest tripping over your pet, could result in unexpected expenses.
Florida: Hotspot for Dog-Related Liability Claims
Florida ranks second in the nation for the highest number of dog-related injury claims each year, according to the Insurance Information Institute. With more homeowners insurance policies excluding pet-related incidents, many Florida pet owners don’t realize they lack coverage until it’s too late.
HOA & Landlord Requirements
Homeowners associations (HOAs) and rental agreements may require proof of animal liability coverage. Adding affordable animal liability insurance for Florida homeowners through Florida Peninsula Insurance is a simple and cost-effective way to stay compliant.
Understanding Coverage Limits for Certain Breeds
Some insurance companies exclude coverage for all pets, leaving homeowners completely unprotected. At Florida Peninsula Insurance Company, we offer animal liability insurance to help cover many common pet-related incidents, but it’s important to know certain dog breeds may have coverage restrictions. Before an accident happens, check with your homeowners insurance agent to confirm whether your pet qualifies for affordable animal liability insurance for Florida homeowners. If your breed is ineligible, your agent can help you explore other options to ensure you still have the right protection in place.
Real-Life Scenarios: Why This Coverage Matters
A Florida homeowner’s Labrador retriever was excited to see a guest and jumped up to greet them. The guest lost balance, fell, and fractured their hip. Their health insurance company pursued reimbursement from the homeowner for medical expenses – but, thankfully, the claim was covered under the homeowner’s insurance policy because they added animal liability coverage to their policy.
In another case, a small dog nipped at a child’s hand after being startled. Though the injury was minor, the parents took the child to the emergency room, leading to unexpected medical bills. Because the homeowner had affordable animal liability insurance for Florida homeowners, they didn’t have to pay out of pocket.
These real-life examples highlight how even well-behaved pets can unintentionally cause accidents – and how having the right coverage can make all the difference.
How to Add Animal Liability Insurance to Your Policy
Protecting your home and your pet is easy. Affordable animal liability insurance for Florida homeowners can be added to your Florida Peninsula homeowners policy for just $25 per year, a small price to pay for peace of mind. Adding this coverage is simple: simply call your Florida Peninsula Insurance agent and ask to add animal liability coverage.
Protect Your Home & Pet With Affordable Animal Liability Insurance
No one expects their pet to cause an accident. But, when the unexpected happens, affordable animal liability insurance for Florida homeowners ensures you’re financially protected. For just $25 per year, Florida Peninsula Insurance Company makes it easy to protect your home, your pet, and your finances.
Call your Florida Peninsula agent today to add the coverage to your policy. Not with us yet? Get a free online quote now.
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