Why Your Pet Needs Liability Insurance (And What It Actually Covers)
2. What Is Covered by Pet Liability Insurance?
Pet liability insurance typically covers the following, though coverage varies by policy and provider:
2.1. Damage to Other Individuals
Liability insurance can assist in paying for medical expenses, legal fees, and any settlement or judgment if your dog bites someone or your cat scratches someone and medical attention is needed.
2.2. Property Damage
Your coverage can pay for repairs or replacement if your pet destroys someone else’s property, including furniture, landscaping, or other personal things.
2.3. Other Pet Injuries
Liability insurance can assist in covering the expense of the other animal’s veterinarian care as well as associated legal fees in the event that your dog attacks or hurts another pet.
2.4. Costs of Legal Defense
Liability coverage may also cover court costs and legal fees if you are sued because of your pet’s actions.
2.5. Judgements and Settlements
Up to your coverage level, your insurance may pay all or a portion of the awarded sum if the case ends in a court decision or you accept a monetary settlement.
