Man’s best friend is his dog. They become family members and are unconditional in their affection and protection to you and your family. Yet, for Homeowners it is the responsibility of the homeowner to Beware of Dog and the liability that is necessary to cover for that possible incident.
When dog bites occur, the associated liability claim and result, potentially having to give the dog away, can be heartbreaking. The best way to prevent such a tragedy is to keep dog bites from ever happening. Both the Insurance Information Institute and the Humane Society suggest you to do the following:
- Consult with a professional (e.g., veterinarian, animal behaviorist, or responsible breeder) to learn about suitable breeds of dogs for your household and neighborhood.
- Spend time with a dog before buying or adopting it. Use caution when bringing a dog into a home with an infant or toddler. Dogs with histories of aggression are inappropriate in households with children.
- Be sensitive to cues that a child is fearful or apprehensive about a dog and, if so, delay acquiring a dog. Never leave infants or young children alone with any dog.
- Have your dog spayed or neutered. Studies show that dogs are three (3) times more likely to bite if they are not neutered.
- Socialize your dog so that it knows how to act with other people and animals.
- Avoid exposing your dog to new situations in which you are unsure of its response.
- Teach children pet safety tips and review them regularly. Children and Adults should always the owner for permission before they pet a dog.
- Always practice safe behavior around dogs. Like many kinds of pets, dogs need to be respected as animals that, under certain conditions, could hurt you. Never tease a dog. Teasing can make a dog angry or frustrated enough to bite.
According to our Personal Lines Underwriting department, they see most dog bite liability claims that have happened unexpectedly, with dogs that aren’t known to bite. In some cases it’s a mom making lunch and doesn’t see a child’s friend pull on the dog’s tail in the next room. The result is a dog bite – and a claim.
According to the Centers for Disease Control and Prevention (CDC) more than 4.7 million people are bitten by dogs annually, resulting in an estimated 800,000 injuries that require medical attention. These injuries also account for one-third of all homeowner’s insurance liability claims, according to I.I.I.
Homeowners and renters insurance policies typically cover dog bite liability. If a claim exceeds the policy’s limit, though, the dog owner would be personally responsible for all damages above that amount, including legal expenses.
The severity of claims, and their associated cost, usually varies by breed. “A claim resulting from a beagle that bit probably will result in minimal costs,” says our Personal Lines Manager Donna. “Costs may cover an emergency room visit, maybe a Tetanus shot, maybe some stitches. But claims resulting from a Rottweiler bite have cost well over a hundred thousand dollars, in part because certain dogs are much more powerful and can cause significant injuries, especially to a child.”
Regardless of breed, though, any dog can bite. Even normally docile dogs may bite when they are frightened or when protecting their puppies, owners or food. The key to preventing dog bites, experts say, is to be a responsible dog owner and always practice safe behavior when you’re around unfamiliar dogs.
The laws governing dog bite liability vary by state and like all aspects of personal lines insurance coverage is regulated by individual states. To review your insurance policy or inquire about your coverage, contact The Weimer Group, our agents are available to assist you with your questions, 1-888-304-6678.
Tags: Bucks County Home Owner Insurance, dog bite liability, homeowner insurance, Homeowner Insurance with Pets In PA, Lehigh Valley Home Owner Insurance, liability of dogs in households, Montgomery County Home Owner Insurance, pet safety tips, pets, Philadelphia Home Owner Insurance, renters insurance, safe behavoir around dogs, Technorati Tags: homeowners and dogs
Do you have a collection of art, jewelry, watches or electronic equipment to insure? If so, you may want to purchase personal inland marine insurance for that.
The name inland marine is kind of a relic, left over from the early part of the 20th century when insurance regulations in our country were very different from what they are today.
Marine insurance was less heavily regulated than fire and casualty, because it had stiffer competition overseas. It also specialized in covering risks that were in transit. It was a short hop from there to covering “floating” risks — items that moved easily from one place to another, such as jewelry, fine art and cameras.
Lenient regulation made it easy for marine insurance to branch out into more and more coverage, while more generous policies — including coverage against all risks and throughout the company’s operating area — made it attractive to Policyholders.
The term inland marine insurance came into use during the 1920s to differentiate these floater policies from marine insurance that still applied to boats — now the somewhat redundantly named ocean marine insurance.
A National Marine Definition was created in 1933 to determine what could and could not be covered under marine insurance. The document was updated in 1976, and currently contains six categories:
- Domestic shipments
- Bridges, tunnels and other instrumentalities of transportation and communication
- Personal property floater risks
- Commercial property floater risks
Of these, the latter four are primarily inland marine, while the first two are ocean marine.
ERIE Policyholders can add an endorsement to existing home or mobile home insurance policies or purchase a separate personal inland marine policy for expensive items such as jewelry, furs, watches or precious stones. This type of policy provides all-risk coverage, including theft, misplacement or loss of a valuable item. The policy can be purchased with no deductible; or, for a premium credit, a deductible can be added.
Refer to the article New Bling from Your Valentine? Make Sure It’s Covered for more information.
Any time you purchase an item with considerable value like jewelry, you should contact The Weimer Group Agency to find out if any additional coverage is needed.
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The Weimer Group realizes you love your children, your home, and all the things that have made your life, well … your life. That’s why we want to encourage you, without pushing you, to consider life insurance. And because your Weimer Group Agent is going to take as much time as you want to help you with your options, we’re feeling you’re going to feel good about the process.
Why The Weimer Group for life insurance? Here’s a quick glimpse.
- Choose from a variety of life insurance policies* available to fit your personal needs
- Permanent (whole life) life insurance or universal life insurance provides coverage for your entire life and builds cash value. (It just keeps building, even when you are not looking.)
- Term insurance provides affordable coverage for a specific number of years
- Combine both term and permanent policies and you’ve got a customized protection package for your family
Why The Weimer Group for retirement planning? Our business is also to help people save money for retirement. With so many different retirement savings plan options — 401(k), annuities, Traditional Individual Retirement Accounts (IRAs) and Roth IRAs — it can be a little overwhelming trying to decide which plan is right for you. No matter how far along you are in your financial planning, we can help.
Some of the things we offer:
- Traditional and Roth IRAs with a variety of payout options
- Rollover or transfer options in case you want to move all or part of your retirement savings into an annuity
- CD-type of annuity with a guaranteed, tax-deferred interest rate for 3, 5 or 7 years, depending on the term you choose
An annuity is still the only financial instrument that allows you to set up a guaranteed income stream that you cannot outlive.
Talk to The Weimer Group who will provide you with more information about life insurance and retirement planning. Call us Today: 888-304-6678.
*Life insurance and annuity products are not available in New York. Refer to our Disclaimer for additional information.
Tags: 401K, Annuities, Berks County, bucks county, Harleysville PA Insurance, montgomery county, pa insurance, Perkasie PA Insurance, Permanent Whole Life Insurance, Philadelphia, Roth IRA's, Souderton PA Insurance, Technorati Tags: Life Insurance, Telford PA Insurance, Term Insurance, the weimer group, Traditional Individual Retirement Accounts, Universal Life Insurance