Is there insurance to protect owners and keepers if a pet hurts someone?

A: Absolutely.  Most insurance policies for home owners, and many policies for renters, protect owners and keepers for injuries caused by their pets.  It pays to check your coverage for two reasons:

  1. some policies do not cover particular breeds of dogs, like pit-bulls, German Shepherds, Chows, etc., that are often thought to have been bred to be short-tempered and aggressive; and
  2. we find that people who might otherwise forgive a neighbor’s negligence really do expect dogs to be controlled, tied, leashed or caged, and especially if a child is injured, will bring a lawsuit for dog bites.

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