Protection You Deserve
Do you own a dog or another animal in Spokane, WA? While we love our pets, even the most well-behaved animal can have an unpredictable moment. Whether it’s a dog bite, a guest being knocked over, or damage to a neighbor’s property, you are legally responsible for your pet’s actions. Many people are surprised to learn that their homeowners or renters insurance may exclude certain breeds or incidents involving pets. That is where a dedicated pet liability policy comes in.
Washington State Law: Strict Liability for Dog Bites
It is important for Spokane pet owners to understand that Washington is a strict liability state (RCW 16.08.040). This means that if your dog bites someone in a public place or lawfully in a private place (including your own home), you are liable for the damages—even if your dog has never shown aggression before and you had no reason to believe they would bite.
In Washington, there is no “one-bite free” rule. From the very first incident, the owner is financially responsible for medical bills, lost wages, and pain and suffering.
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What Pet Liability Insurance Covers
Pet liability insurance is specifically designed to protect your personal assets if your pet causes harm to others. This coverage typically includes:
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- Third-Party Bodily Injury: If your dog bites a neighbor, a delivery driver, or a guest, this covers their medical expenses, including emergency room visits, stitches, and follow-up care.
- Property Damage: If your pet destroys a neighbor’s expensive fence, digs up a prized garden, or damages a friend’s personal belongings, this coverage helps pay for repairs or replacement.
- Legal Defense and Settlements: If you are sued over an incident involving your pet, the policy helps pay for your attorney fees, court costs, and any settlements or judgments awarded against you, up to your policy limits.
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We are a medium-sized insurance brokerage that was established in 1996. As Independent Agents, we represent you, the CLIENT. Although we write all types of insurance, we specialize in auto and home insurance in the Northwest.
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Pet Liability vs. Pet Health Insurance
It is a common misconception that “Pet Insurance” covers everything. In reality, there is a big difference:
- Pet Health Insurance: Covers your pet’s veterinary bills, surgeries, and illnesses. It does not protect you if your pet hurts someone else.
- Pet Liability Insurance: Covers your financial responsibility to other people. It does not pay for your own pet’s medical care.
Why You Might Need a Standalone Policy
Even if you have homeowners or renters insurance, you may still need a separate pet liability policy if:
- Breed Exclusions: Your current insurance company has a “restricted breed” list (often including Pit Bulls, Rottweilers, German Shepherds, or Dobermans) and refuses to cover them.
- Bite History: Your pet has a previous bite on record, causing your primary insurer to exclude animal liability from your policy.
- Low Limits: Your home insurance provides some coverage, but it isn’t enough to cover a major lawsuit or a “Dangerous Dog” registration requirement in Washington state.
A few questions away from saving up to 40% on your insurance.
Get Protected with Boyd Insurance Brokerage Inc.
At Boyd Insurance Brokerage Inc., we believe you shouldn’t have to choose between your pet and your financial security. Our agents can help you find a pet liability policy that provides the protection you need, regardless of your pet’s breed or history. We work with multiple carriers to ensure you get the best coverage for your specific situation in Spokane.
To learn more about pet liability insurance and to get a free quote, call us today at (509) 340-2693.
