In short, the answer is yes. Colorado law requires dog owners to have liability insurance if their dog bites someone and causes injury. However, it’s important to note that not all home insurance policies cover dog bites. So, if you’re an Arvada, CO resident with a dog, check with Alliance Insurance Services to see if you’re covered.
What Does Home Insurance Cover?
Home insurance protects you from financial loss if your home is damaged or destroyed. Homeowners’ insurance policies typically cover four types of perils: fire, windstorm, theft, and liability. Most policies also include some coverage for medical expenses incurred by injured guests on your property.
What Doesn’t Home Insurance Cover?
While home insurance covers many unexpected events, there are some things that it doesn’t cover. For example, most homeowners insurance policies exclude flooding and earthquakes. And as we mentioned before, not all policies cover dog bites. Other standard exclusions include damage caused by pests, wear and tear, and intentional acts.
Things to Consider When Shopping for Homeowners Insurance
Before you purchase homeowners insurance, carefully evaluate what you need and how much you’re willing to spend. Other factors to consider are the right amount of coverage and the total replacement cost of your home and belongings. You can estimate how much it would cost to rebuild your house and replace all your possessions if they were ruined or stolen.
We Are Here To Answer Your Questions
If you’re an Arvada, CO resident with a dog, contact Alliance Insurance Services to talk to one of our agents. We can check your homeowner’s policy to see if you are already covered for dog bites. If not, we can set you up with the coverage you need.