Tips for homeowners with dogs

September 12th, 2014 by admin

Having a dog offers many benefits, along with carrying responsibility. As a dog owner, it is your responsibility to compensate for injuries caused by your dog. Through obtaining home or property insurance, your provider assumes liability risks, including those posed by having a dog. However, as the incidence of dog-related injuries has increased, Canadian legislatures and home insurance providers have instituted stricter regulations. 

An estimated 460,000 Canadians are bitten by dogs every year, and children account for 60 percent of victims, explains Mike Mooy, the National Marketing Director for the Canadian Bar Insurance Association (CBIA) and CBA Financial Services (CBAF). In an article for Slaw, a Canadian online legal magazine, he outlines certain steps you should take as a homeowner with a dog.

First, experts agree that it is critical to notify your insurance provider. Certain breeds, including those with aggressive tendencies, may require more coverage or higher premiums, while other insurers look to your particular dog's history.

The American Pit Bull Terrier and breeds such as the American Staffordshire are among the group considered aggressive and are banned in Ontario, Mooy explains. You can visit Slaw's website for a more comprehensive list. Many insurers who underwrite dog ownership may not be willing to offer home insurance to owners of these breeds. Whatever your situation is, it is still worth discussing with insurance brokers to determine the right coverage.

For more information about home insurance, contact Fundy Mutual. Headquartered in Sussex, New Brunswick, we have additional offices in Hampton and Rothesay, New Brunswick. Our experienced team of home insurance brokers will help you with your home insurance needs.