Coverage
Canine/Dog Legal Liability
Some homeowner policies ask about things like dogs, what type? Trampolines? Pools, do they have a diving board, slide, and are they fenced? The reason is because there is an increased liability exposure, or what one may say an attractive nuisance. For all the dog owners who may have a concern or need because of breed of dog or the underwriting of the homeowner company......WE OFFER A CANINE LEGAL LIABILITY POLICY!
- The Policy is underwritten by Kingstone Insurance Company
- Liability and medical payments coverage for bodily injury and property damage caused by an eligible dog owned by the insured
- Fills the gap caused by dog liability exclusion found in many personal lines policies
- Provides worldwide protection at either a $100,000 Liability or $250,000 Liability, with a $500 deductible.
- Provides medical payments coverage up to $5,000
- Multi-dog discount, limited to two (2) dogs
| Limit | Rate per dog for the first dog | Rate per dog for each add'l dog |
| $100,000 | $595.00 | $535.00 |
| $250,000 | $800.00 | $720.00 |
- Policies are 12 month basis...with completed application
- Property where dog is primarily housed must be a private residence
- No coverage for kennel operations and business operations
- No more than two (2) dogs on premises
- Dog(s) must be examined by a veterinarian within 18 months of signed application and in good health
- All prior bite information and all aggressive behavior must be indicated on application
- Dog must be properly leashed when walked and properly fenced in when unattended at insured's residence
- No coverage for guard dogs and/or dogs trained to attack
- Only dogs listed on the application will be covered..tenant's or renter's dog(s) need a separate policy
- Two(2) or more incidents will result in policy being non-renewed
- Cancellation at request of insured will be subject to a retained minimum premium of $100.
- 50% deposit with application; 25% due three (3) months following policy inception; and 25% due six(6) months following policy inception.
Call today or fill out the application for this very unique coverage.