Dog liability insurance: Why you as a dog owner should not do without it

Dog liability insurance: Why you as a dog owner should not do without it

Dogs are loyal companions, but even the most beloved four-legged friends can cause damage from time to time. Whether it's a knocked-over cyclist or damage to a neighbor's garden, the financial consequences can quickly escalate. This is where dog liability insurance comes in. It protects you as a dog owner from these costs and is even required by law in some states. In this blog, you'll learn why dog ​​liability insurance is so important, how to find the best insurance, and what to look out for.

What is dog liability insurance?

Dog liability insurance is a special type of liability insurance that covers damage caused by your dog. This includes both property damage and personal injury. In Germany, as a dog owner, you are legally obligated to pay for all damage caused by your dog – regardless of whether you are at fault.

What damages does dog liability insurance cover?

• Personal injury: If your dog injures someone, for example through a bite or an accident.
• Property damage: If your dog damages other people's property, such as furniture, cars, or clothing.
• Financial losses: When a third party suffers financial losses as a result of the damage, e.g., loss of earnings.

Why is dog liability insurance so important?

Damage caused by your dog can quickly become very expensive, especially in the case of personal injury. Without dog liability insurance, you'll have to cover these costs yourself, which, in the worst case, could jeopardize your financial existence.

Advantages of dog liability insurance:

• Financial security: Protection against high claims for damages.
• Peace of mind: You can relax and exercise with your dog without constantly worrying about harm.
• Legal requirement: In some federal states, dog liability insurance is mandatory.

In which federal states is dog liability insurance mandatory?

In some German states, you are legally required to take out dog liability insurance. These include:

• Berlin
• Hamburg
• Lower Saxony
• Thuringia
• Saxony-Anhalt

In other federal states, dog liability insurance is often required if you keep a so-called listed dog or if your dog has been classified as dangerous.

Dog liability insurance costs: What should you expect?

The cost of dog liability insurance depends on various factors, such as your dog's breed, the scope of coverage, and the deductible.

Average costs:

• Standard rates: €30–80 per year.
• Extended plans: €80–150 per year, with additional services.

Factors that influence costs:

• Breed: Listed dogs are often more expensive to insure.
• Deductible: A higher deductible lowers the insurance premium.
• Additional services: Coverage for overseas damage or puppies may increase costs.

Dog liability insurance comparison: How do you find the best insurance?

A dog liability insurance comparison will help you find the best plan for you and your dog. Here are the most important criteria to consider:

1. Coverage amount

• The coverage amount should be at least 5 million euros, or better still 10 million euros.
• Higher coverage amounts offer more security, especially in cases of personal injury.

2. Deductible

• Consider whether you want to agree to a deductible. This lowers your monthly costs, but means higher expenses in the event of a claim.

3. Additional services

• Protection abroad: Important if you travel often with your dog.
• Co-insurance of puppies: Useful if your dog has puppies.
• Damage caused by unleashed dogs: Check whether your policy covers these cases.

4. Customer reviews

• Read reviews from other dog owners to assess the service and reliability of the insurance company.

Dog insurance: Differences between liability and health insurance

In addition to dog liability insurance, there are other types of insurance that may be of interest to dog owners, such as dog health insurance.

Dog liability insurance vs. dog health insurance:

When does dog liability insurance not pay?

Despite its comprehensive protection, there are situations in which dog liability insurance does not cover damage. These include:

• Intentional damage: When you deliberately encourage your dog to damage something.
• Personal damage: Damage to your own property or that of your family.
• Unregistered dogs: Your dog must be registered with the insurance company.

How do you report a claim to dog liability insurance?

If your dog causes damage, it's important to act quickly. Here's how to report the damage:

1. Document damage: Take photos and contact witnesses.
2. Inform your insurance company: Call your insurance company immediately or use the online form.
3. Have details ready: date, location, and description of the incident.

Tips for choosing the right dog liability insurance

• Compare multiple providers: Use comparison portals to find the best rates.
• Pay attention to additional benefits: Choose an insurance policy that covers your individual needs.
• Consider the contract term: Some providers offer discounts for long-term contracts.

Frequently asked questions about dog liability insurance

“Is dog liability insurance mandatory?”

In some federal states, yes. However, it is generally a sensible form of insurance.

“Does dog liability insurance also cover damage abroad?”

Many plans offer coverage abroad, but check the exact terms and conditions.

“Are there discounts for multiple dogs?”

Yes, many insurers offer discounts if you insure multiple dogs.

Conclusion: Dog liability insurance – a must for every dog ​​owner

Dog liability insurance is essential protection for you and your four-legged friend. The most important points at a glance:

• Mandatory: Required by law in some federal states.
• Protection: Covers property damage, personal injury, and financial loss.
• Costs: Average €30–150 per year, depending on the plan and services.
• Comparison: Use comparison portals to find the best tariff.

With the right dog liability insurance, you are well protected – for a relaxed and carefree life with your dog!