When Your Dog Bites The Mailman, Who Pays?

Although your dog may be friendly, playful, and affectionate around you- they may not have the same opinion of your mailman. If your mailman brings out your dog's primal instincts, and causes your furry buddy to bare his teeth- who pays for the mailman's injuries if your dog decides to bite? Do you know if you have insurance that will cover your mailman's medical costs?

If you're concerned that your otherwise friendly dog may end up sacking you with a hefty medical bill- you may be surprised to learn that you could be covered. Often, your homeowners policy may provide coverage for individuals injured on your property- even those who fall victim to a dog bite. Although you may feel that stories of the "the dog biting the mailman" are nothing more than urban legend- you may be surprised to learn that about 25% of homeowners liability claims are in response to dog bites. If your dog feels the urge to bite, and you don’t have enough homeowners coverage, you could be saddled with both medical bills, and possible "pain and suffering" costs.

The simplest way to protect yourself from unexpected accidents is with a comprehensive homeowners insurance policy. If you are in Glenmont, Coxsackie, or anywhere in New York, Whiting Insurance can provide you with insurance advice, or a free online rate quote. Contact us today.