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Did you know that you can be held liable if your dog bites someone? It’s true. Dog owners are often sued because of their pets’ behavior. In fact, each state has its own law concerning owner responsibility for dog bites. The level of liability ranges from “Strict Liability,” in which you are automatically held liable regardless of the circumstances, to a “One Bite Rule,” where owners may get a break for their dog’s first offense.
In the insurance world, the Personal Liability limit on your Home or Renters policy will defend you against claims of bodily injury from dog bites. Because of this loss exposure, insurance companies ask about the breed of dog in your home and often will exclude coverage based on the breed’s reputation.
What are the Dog Owner Liability laws in your state? Here’s a handy reference guide to the Dog Bite Liability laws in each state (thanks to the Independent Agents & Brokers of America).
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Due to the impact of COVID-19, the US Postal Service is experiencing unprecedented volume increases and limited employee availability. As a result, important insurance documents, including bills and payments by check could be delayed. Mail delays have resulted in the cancellation or non-renewal of insurance policies for non-payment. This can happen because bills are not being delivered in a timely manner and vice versa for the payments. Most of the time insurance agency are willing to work with clients to address the late payment resulting from the mail delays. Below are a few steps you are able to take to protect yourself.