Dog liability insurance

Even the most good-natured dog can cause harm to a third party directly or indirectly in an unguarded moment. Since the Civil Code in such cases provides for the full liability of the dog owner, amounts can quickly accrue that the owner may not be able to cover easily. To prevent a financial crisis, the legislator mandates dog owners to have dog liability insurance, which covers the financial obligations in case of damage.

You should make sure that the dog insurance covers as many areas as you expect from a dog insurance policy. For example, your dog in a rental property might damage wallpapers and electronics. An appropriate dog insurance should therefore include coverage for property damage. This inclusion is especially relevant for pets that are mostly kept indoors. Also, a good dog insurance should have lenient terms for recognizing a claim in case of damage caused by your dog. For instance, your insurer should still cover a claim even if your dog is off-leash or if a neighbor is walking your dog. Given the wide variety of available insurance options, you have the freedom to choose the dog insurance that precisely matches your personal preferences.