Every dog owner needs to have homeowner insurance or renters insurance that (a) provides coverage for, and does not exclude, injuries inflicted by dogs or animals in general, and (b) has a limit of at least $100,000 for personal liability. This type of insurance will enable the dog owner's insurance company to pay an appropriate amount of compensation for all but the most severe accidents caused by a dog. Because the dog owner's own relatives, friends and neighbors are the most likely victims of a possible dog attack, having insurance means protecting the people who are closest to the dog owner, thereby protecting valuable relationships and ensuring proper treatment of loved ones.
Given the fact that a dog is most likely to bite someone whom the dog owner loves most, it is recommended that dog owners have higher limits, such as $1 million, through either their homeowners and renters policies or by an "umbrella" policy. It is very inexpensive to obtain an umbrella policy......(continued on website)