Is my dog covered by my home insurance

Your furry friend is a member of your family, and you love them dearly. However, when it comes to liabilities, pets, especially dogs, can be significant liabilities. Home insurance provides liability coverage, and you may be wondering if that liability insurance covers your dog. No one likes to think about the possibility of their dog getting into a situation where you might get sued, but things do happen. At Barry Insurance Group in Pearland, TX, we know home insurance liability coverage, and we can help you make sure you have the coverage you need. 

The simple answer to this question is not a straight yes or no. It depends on the breed of dog that you have and the policy. The first thing that you should do when you are considering adding a dog to your family is to call your insurance agent and make sure that your carrier doesn’t exclude the breed you are considering. Some breeds are more likely to be excluded, including pit bulls and rottweilers.

Carriers don’t commonly publish the breeds that they exclude, so you will have to ask specifically. If your carrier excludes the breed you plan to acquire, you may be able to add a separate liability policy for your dog, or your umbrella policy may cover them. Don’t give up; however, some dog-friendly carriers don’t discriminate by breed at all. 

But let’s say you have a terrier, will your home insurance cover him? Yes, he will. The liability portion of your coverage will protect you from a lawsuit if your furry friend nips a neighbor or does some severe damage to their garden. However, if your couch is the victim, then no, your home insurance won’t cover it, so invest in pet training to avoid issues. 

Barry Insurance Group in Pearland, TX is here to help you get home insurance coverage and to make sure that your furry friend will be covered by the home insurance you choose. Give us a call to set up an appointment to discuss your home insurance needs. 

Someone Slipped and Fell on My Property: When Should I Notify My Homeowners Insurance Company?

Your home insurance covers you if someone slips and falls on your property and attempts to sue you. Here at Barry Insurance Group, serving the greater Pearland, TX, we want to help you prepare in case something like this happens to you. Here is what you need to know about notifying your home insurance if someone slips and falls on your property. 

What Should You Do After Someone Slips and Falls on Your Property?

If someone has slipped and fallen on your property, you should first help the injured party. If they need medical attention, call for help. Once you have ensured that their injuries are tended to, be sure to take pictures of the accident scene. Document why they fell, what the conditions were, and any other relevant information. This can be important, especially if you feel that there was not something related to your property that caused them to trip and fall. 

When Should You Notify Your Homeowners Insurance Company if Someone Slips and Falls on Your Property?

You should notify your homeowner’s insurance company as soon as you realize the party is injured and seeking medical attention for their injuries. Many people wait to notify their insurance company until the other party asks for insurance information or lets the other party know they are using them. This does not give the insurance company much time to obtain evidence and seek information about the accident. Letting them know early on can help with their discovery process. 

Having the right homeowner’s insurance coverage can protect you from the unexpected, such as someone slipping and falling on your property and becoming injured. If you are looking for a new homeowner’s insurance policy in the greater Pearland, TX area, let Barry Insurance Group help you find the best policy for your needs. Contact us today to get started. 


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