New York State dog owners are going to be mad when they realize what homeowners’ insurance carriers have done.
In recent years, more carriers have quietly slipped “dog exclusions” into their insurance policies. Many policy holders have not noticed this stunning change which is certainly understandable because insurance policies are notorious for tons of incomprehensible, fine print.
These “exclusions” means that these homeowner’s insurance policies don’t cover any injury caused by dogs, including bites.
At first, I noticed only some dog breeds were left uncovered, such as pit bulls, who were considered among the most aggressive. But now I am seeing exclusions for ALL DOGS, regardless of the breed.
If you’re a homeowner with a dog, it’s time to unleash your outrage, because you’re being ripped off!
Here is the bad news: One-third of all injury claims against homeowners are because of dog bites, BUT when insurance companies exclude coverage, they are NOT GIVING YOU a one-third discount!
What a deal for the insurance carriers! They’ll deny they are curbing your dog to roll up more profits, and say they are just trying to keep your premiums down!
Don’t bellieve it!
These exclusions are bad for dog-bite victims, too. Let’s say you have the misfortune of getting mauled by a poor dog owner with an insurance exclusion. If that happens, it is very possible you will get no compensation for your suffering!
All homeowners in the Elmira / Corning area, and throughout the Southern Tier, should still shop for insurance that covers dog bites. They are still available, and it’s the right thing to do.
And it should not cost you any extra money.
Thanks for reading.