Dog owners should never go without liability insurance or they may be in for a rude awakening if they get sued. Companies pay out about $1 billion in dog-related claims a year and estimate that one-third of all homeowners’ liability claims are due to dogs.
Insurance discounts are readily available for consumers who combine family policies, use one insurance company for several types of coverage, or take other measures such as using property theft deterrents or maintaining good driving records.
Consult with an independent insurance agent at least once a year to evaluate changing needs and look for cost savings.