Dog liability insurance for Bello

He's not doing anything, he just wants to play ... Despite good dog training: if your pet does snap at you, owners should be covered. This is because only cats or other tame small animals such as birds are already covered by private liability insurance. For dogs, you therefore need dog liability insurance or, to be more precise, pet owner liability insurance.

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via Tanja Seiffert
06/06/2018, 12:04
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He just wants to play - but you should still insure your dog against property damage and personal injury

Why do you need dog insurance?

So-called pet owner's liability insurance is so important because it covers all property damage and personal injury caused by the dog. Regardless of whether it breaks something, clears the sausages at the butcher's or gets into a biting match with other dogs. While such incidents are financially manageable, personal injury can quickly become very expensive.

Is Bello's insurance voluntary?

That depends on the federal state: In some federal states, insurance for dogs is required by law. These are currently Berlin, Brandenburg, Thuringia, Hamburg and Lower Saxony. This is a good thing, as it protects owners from nasty financial surprises. And it's not just big dogs that can bite, a dachshund can also have a real bite.

How expensive is dog liability insurance?

Premiums range between 40 and 130 euros per year, depending on the provider. The sum insured should be at least 3 million euros, preferably 5 million. In addition to the sum insured, dog owners should also pay attention to the following criteria when taking out animal liability insurance:

  • Cover for damage to rented accommodation
  • Insurance for off-leash walking
  • Insurance cover includes dog sitters, i.e. third parties
  • Dog liability insurance applies when on vacation abroad
  • Amount of the excess

Further tips can be found online at www.finanzservice-online.de.