How can a dog affect my Florida homeowners insurance?

A lot of people don’t actually give any thought to it, but there’s often certain things that need to have some type of insurance behind it. People with dogs don’t realize that… until they have to pay the price of medical bills for a dog bite.

While most dog owners rarely deal with their dogs biting them, sometimes it does get out of hand with certain dog breeds. Even though these dogs don’t usually bite, certain circumstances may cause the dog to act unruly and bite another party. When that happens, the owner is usually responsible for covering their medical bills.

The Case With Dog Bites and Insurance Coverage

Now, you might think that’s simple enough to understand, but there’s a catch. Like with any insurance policy, the owner is usually the one responsibility for a liability—the other party who may have suffered the dog bite. This happens when the owner isn’t insured for dog bites. And, believe or not, a lot of insurance companies actually exclude dog bites from their policies.

These policies specifically detail the exclusion of dog bites, meaning that the dog owner wouldn’t have anything covered by their insurance company if a third party happened to experience injuries caused by their dog. Many homeowners insurance companies in different states have started setting certain requirements for the types of dogs covered by their homeowners insurance policies.

To provide a current example, some homeowners insurance companies may provide insurance coverage for certain ‘non-aggressive’ dog breeds, but will turn down insurance for known ‘aggressive’ dog breeds. Even though they might provide coverage, the owner is still liable for any type of damages and resultant injuries that may be caused by their dog.

So, yes, even if you do manage to get insurance for your dog, there’s still a real possibility that you might not get full coverage. Before you look on to see if there’s any all-inclusive Florida homeowners insurance against dogs, it’s important to learn why companies may make the decisions that they do make about insurance against dogs. Of course, part of those decisions revolve around the prospect of incurring risks.

Dog Owner Liabilities and Insurance

Many homeowners insurance policies place limitations on how much insurance coverage a dog owner can receive. That also applies to dog bite victims, who sometimes don’t get enough coverage for medical bills resulting from their injuries. Due to these restrictions, you usually have to search for Florida homeowners insurance against dogs from the many companies in the area that may or may not provide that particular insurance option in the first place.

When you search for homeowners insurance in Florida, you might come across some options on the ‘insurance market.’ Those options usually include:

  • Umbrella coverage policies, which usually provides liability coverage against damages, injuries and/or losses not covered by your primary insurance. In other words, it will cover dog bites that aren’t covered by your homeowners insurance policy.
  • Excess coverage policies, which typically include a higher policy limit for losses that are usually covered by your primary insurance. Here, you might end up paying more for coverage against something like dog bites.
  • Canine liability policies, which are policies developed specifically for dog owners. If you can’t get coverage against or for dog bites and other damages from dogs, this would be the type of policy that you’d need to get.

Interestingly enough, most dog owners end up getting umbrella coverage, since it’s usually enough to cover their insurance needs. You can probably get Florida homeowners insurance from against dogs in the form of an umbrella policy by talking to your insurance provider for more information.

It’s because you might not even get insurance to cover dog bite liabilities and other issues from an umbrella policy in the first place. Some umbrella policies may even exclude dog-related coverage altogether. That’s why it’s important to check with your insurance provider to see if they provide insurance against dogs.

You might get the best insurance coverage out of a canine liability insurance policy, since it’s specifically designed for that purpose. The problem with canine liability insurance policies is that they’re pretty uncommon around the country. You might luck out with finding coverage in your Florida area, though some places aren’t so lucky.

Getting Dog-Related Insurance in Florida

Don’t think that you can’t get Fl homeowners insurance against dogs, because you can according to You just have to ask your insurance company about the options you might have. The difficulty with finding adequate dog-related insurance is the fact that owning a dog can be considered a risk to homeowners insurance companies.

That risk lies in the prospect of incurring liabilities that your insurance company may have to provide coverage for. To put that into perspective, resources like the Federal Centers for Disease Prevention and Control have reported that dogs do ‘bite more than 4.7 million people per year, which results in more than $400 million in medical costs.’ Another resources, the Insurance Information Institute, reported sometime back that the ‘cost of dog bite claims increased about 53 percent from the years 2003 to 2011.’

So, when you look at that information, you’d see that dog bites are rather common… especially when you consider that they now account for ‘more than a third of all homeowners insurance liability claims, something that equal to about $1 billion in claims for damages every year.’

While most people don’t experience severe damages from dog bites, some do. And, the costs from the dog bite place pressure on the victim and the dog owner themselves. Due to that, having some time for dog-related insurance coverage is important. It’s not going to be easy to find that coverage, though. 

If you do want to find Florida homeowners insurance against dogs in your area, you will have to contact insurance companies to find out more information. While you’re more likely to get insurance against dogs from a different company altogether, it doesn’t hurt to ask around. After all, learning more information about your coverage options can help you get the coverage you need before it’s too late to find good enough coverage against dogs.

Categories: Home

Florida Auto Insurance Requirements

Sometimes it can be daunting to figure out auto insurance.  Not only do you have state mandated coverage such as the Florida auto insurance requirements but you also have the agent who wants to sell you as much coverage as he can.  Here are a few basics as well as the details about what the state of Florida requires.

The Basics – How to Choose the Company

Before you can decide on what types of coverage you need or want, you have to pick the right company.  After all, they will be walking you through the process and you want to make sure you have the right company and agent from for your FL car insurance needs.

  • Word of mouth – Ask your family and friends for what companies they do and do not use.  Have they had good experiences with the claim process, good rates, and good customer service?
  • Your local body shop – Think about it.  Can you think of a company who has had more interaction with insurance agents and insurance companies than someone who works at a body shop?  What company do they recommend that has a quick claim process and who does not try to cut corners?
  • Department of insurance – Once you have narrowed the list down to two or three, do your research with the state’s department of insurance.  Many of these state departments will publish the official complaint information.

The Basics – How to Choose the Coverage

Below is the list of primary types of car insurance in Florida available at  For the most part, this works like a cafeteria where you walk down the line and pick out what you want from the available options.

  • Liability covers damage done to property or injury to persons, including medical expenses, court costs, or lost wages.
  • Collision covers damage done to your vehicle when caused by an outside object or another car.
  • Comprehensive covers damage done to your vehicle that is not the result of a motor vehicle crash, for example, fire, vandalism, wind, etc.
  • Medical coverage covers any incurred medical bills/expenses due to a collision.
  • Personal injury protection (PIP) covers medical bills/expenses for the insured driver after the event of a car accident (this is one of the Florida auto insurance requirements).
  • Uninsured and underinsured motorist covers damage to the vehicle when the motor accident is caused by an insufficiently insured driver or an uninsured driver.
  • Rental reimbursement – If your own vehicle suffered damages from an accident, this will cover the cost of the rental car.

What Are the Florida Auto Insurance Requirements?

As with almost any state in the country, Florida does have certain required types of insurance and minimum amounts of coverage.

  • You are required to carry a minimum of $10,000 of Personal Injury Protection.
  • You are also required to have a minimum of $10,000 of Property Damage Liability.

Likewise, Florida is considered a no fault state according to, meaning that if you are injured in a motor vehicle accident, your insurance must pay for your medical bills up to the policy’s limits no matter whose fault the accident was.

Categories: Auto

What You Need to Know About Florida Boat Insurance

Before you take your boat out on the water, call your insurance agent and get your boat covered.  Rates are reasonable, and worth every penny. This leaves you with nothing to worry about except making sure you put sunscreen on. 

In Florida, weekends are for hitting the beach.  Going to the beach at any time of the year is a wonderful benefit to living in vacation paradise, but sometimes you just don’t want to have the hassle of thousands of people all trying to enjoy the sand at the same time.  Que the boat salesman.  With practiced polish, he sells you on the advantages of boat ownership.  Fishing, water skiing, leisurely Sunday afternoon cruises – all of them are yours to enjoy when you own your own personal boat. 

Just like owning a car, however, there is risk involved in boat ownership. Taking it into the open water leaves you vulnerable to all manner of perils: submerged rocks not on your navigational chart, other boaters who don’t know the rules of the sea, and a hitch that malfunctions just as you’re trailing your boat after a day on the water.  Maintenance and repairs can be costly – don’t let the joy of boat ownership be stolen by events that could be easily taken care of with Florida boat insurance.  With Florida boat insurance from, you can have peace of mind when boating; no matter what happens your insurance has you covered. 

It is easy to imagine the fun of a boat ride: the joy of feeling the wind in your hair, the smell of the salt water and the call of the seagulls.  Loading up a couple of your buddies for a mid-week fishing trip can be one of the simple pleasures of living in Florida.  With your radio set to your favorite country station and a cooler full of drinks, you can happily spend an afternoon tossing out a line and bringing in enough snapper, mackerel and snook to fill your wet storage hold. 

When your “buddy” gets a fishing lure embedded in his leg and you have to cut your fishing trip short, it can be a little annoying.  When that same “buddy” makes a claim for medical expenses, pain and mental anguish for the horrors of the experience, you’re going to do two things: make a mental note to delete his number from your Fishing Buddy group contacts and be really glad that you signed up for Florida boat insurance. 

Most insurance companies will give you a discount for carrying several types of insurance with them, so check with your insurance agent for any package deals they can offer.  By bundling your home, car and boat insurance with, you can save money on your peace of mind.  The years of enjoyment you’ll get out of your boat will provide some of your fondest memories.  Tales of shark sightings, the fish that got away and the time you ran out of gas miles from shore will be fodder for “Remember when” stories for decades.  Don’t let your memories be clouded by accidents and problems that could have been avoided with Florida boat insurance. 

Categories: Boat