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5 things every good dog liability insurance should cover

As a dog owner, you get used to surprises. With dog liability insurance, at least they won’t be expensive. Do you know the most important facts about this insurance?

Dog liability insurance – more bureaucracy - is it really worth the effort? Any dog owner whose dog has suddenly behaved unexpectedly, shredded the neighbours’ paddling pool, gnawed granny’s sofa, or even hurt someone knows the answer: Yes. But what exactly does dog liability insurance cover? Is it a type of doggy health insurance or protection against mishaps in everyday life? Here are the main facts about the most important insurance for your dog:

What exactly is dog liability insurance?

The majority of people in Germany have personal liability insurance. Cats are covered by this, dogs are not. Therefore, they need their own dog liability insurance which covers personal injury, property damage or financial losses. This insurance takes effect automatically, regardless of the question of guilt in each individual case.

Anyone who gets a puppy or a dog from a shelter knows – every dog is a bundle of surprises. And no matter how well you know your dog, you can never give a 100% guarantee for his actions. Dog liability insurance covers the costs of possible mishaps caused by your new flatmate, for example, damage to the floor in your apartment or injuries to other dogs. No dog owner ever wants to find himself in such a situation but, unfortunately, it’s often avoidable in everyday life.  

Every federal state has different regulations on dog liability insurance

If you are considering whether or not to take out insurance for your dog, the legislator sometimes takes this decision away from you, depending on where you live. In the following federal states, it’s mandatory to insure your dog:

An exception applies to owners of so-called “listed dogs”. Depending on the state, different breeds are considered attack dogs, and these are listed. Find out in advance if your future dog falls into this category. If this is the case or if your dog has a history, he must be insured in the following federal states:

  • Baden-Württemberg
  • Bavaria
  • Brandenburg
  • Bremen
  • Hessen
  • Rheinland-Pfalz
  • Saarland
  • Sachsen

In Mecklenburg-Vorpommern, taking out dog liability insurance is voluntary, whether the dog is listed or not. In North Rhine-Westphalia, so-called large dogs (> 40cm and > 20kg) have to be insured, in addition to attack dogs.

When does the insurance help out?

Most dog liability insurance policies cover the three major areas of damage that dog owners face:

1. Injuries

Particularly annoying, sometimes even tragic: your dog causes physical harm to someone. Dog liability insurance settles the financial claims – it doesn’t matter if a person or animal was bitten and injured.

2. Damage to property

It’s also unpleasant when your dog destroys someone else’s property. Coya insures damage to property up to a previously agreed amount of 30 million euros. This includes, for example, damage caused by excrement or damage to rented accommodation.

3. Financial losses

Sometimes, dogs end up in situations that indirectly cause financial losses for someone else. For example, if a kiosk owner loses sales because your dog has scared customers off by barking. In this case too, dog liability insurance covers you.

A good dog liability insurance policy is tailored based on the breed and character of your dog. At Coya, your dog is also insured if another member of the household (family or flatmate) takes your dog for a walk. In addition to the insurance cases mentioned above, you can also add on extras that correspond to your particular living situation:

4. Dog bites

Of course, dog liability insurance isn’t health insurance for dogs. But: with this “topping”, you insure your dog in the case that he needs emergency care after being bitten by another dog.

5. Borrowed items

It’s not always your property that’s damaged. Even the cracked display of the mobile phone your friend lent you or the broken garden chair your mother suddenly wants back can be insured with dog liability insurance. 

Of course, it’s worth comparing dog liability insurance policies. Often the devil is in the detail. But with Coya, you can be sure that all damages are covered up to the agreed sum. The only exceptions are deliberately caused damage, devastation within your own four walls and the non-insurance of hunting dogs, as they’re already covered by hunting liability insurance.

Taking out dog liability insurance

Anyone who gets a dog is taking on a responsibility. From your first day together, you are liable for any damage your pet causes. As sweet as some dogs are, they’re still animals. Therefore, it’s a good idea to deal with the subject of dog liability insurance in detail before getting a dog. At Coya, for example, you can request a quote with just a few clicks. If you send the contract online and thereby complete the dog liability insurance policy, your dog is insured from the next day. If damage occurs and you have no insurance for your dog, then you must pay yourself. This can range from annoying to financially devastating, depending on what your dog has done.

Dog liability insurance: inform yourself in advance, feel safe

It doesn’t matter if your new flatmate is your first or your third dog. You can usually do nothing about his misadventures - they’re unpredictable. Luckily, it’s easy to find information about dog liability insurance. For example, Coya offers the advantages of a paperless dog insurance policy with no deductible. In addition, you can cancel the policy at any time. Check out the benefits of taking out dog liability insurance for you and your dog now.

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