Imagine you’re out walking your dog on a beautiful day in Buffalo, NY. A child suddenly runs up and starts petting your dog. Your pet, usually gentle, is startled and snaps at the child. Before you know it, you’re facing a lawsuit. This is just one example of why you may need umbrella insurance as a pet owner.
What Is Umbrella Insurance?
Umbrella insurance is additional, optional insurance that extends beyond the coverage of your basic insurance policies. Depending on the policy and the insurance carrier, umbrella insurance in New York can cover several areas, such as property damage and bodily injury. Unfortunately, lawsuits can be expensive, with final costs often exceeding the limits of your current insurance policy.
Why Would Pet Owners Need Extra Insurance?
Basic homeowner’s policies typically only cover incidents that occur on your property. If your dog bites someone or knocks an individual down while in the park, your regular insurance would likely not cover this. If medical care was required or time off work, a lawsuit could potentially cost you tens of thousands of dollars or more. For example, if your friendly dog affectionately jumped on an elderly person, causing her to fall and break bones, the cost of medical care could easily exceed six digits.
How Can L & S Agency Inc. Help?
L & S Agency Inc. in Buffalo, NY can provide you with extra insurance to cover any potential costs related to your pet. Contact us today to discuss umbrella insurance. We can help you decide on the right coverage to meet your needs. You’ll have peace of mind with coverage to help cover any lawsuit or extra costs that may occur.
