Sainsbury's Pet Insurance

I was talking with a friend that works at the Sainsbury's pet insurance company and he was telling me how it is absolutely essential for every home owner to have dog insurance in the form of homeowners insurance or renters insurance, and to be sure that the insurance policy does not exclude accidents caused by the dog. Dog owners must review their homeowner and insurance policies to make sure that they have protection against canine-inflicted injuries. And they should not purchase insurance polices that exclude it. Because the dog owner's own relatives, friends and neighbors are the most likely victims of a possible dog attack, having insurance means protecting the people who are closest to the dog owner, thereby protecting valuable relationships and ensuring proper treatment of loved ones. Given the fact that a dog is most likely to bite someone whom the dog owner loves most, it is recommended that dog owners have higher limits, such as $1 million, through either their homeowners and renters policies or by an "umbrella" policy. It is very inexpensive to obtain an umbrella policy. Every dog owner is exposed to possible liability for dog bites and other canine-inflicted injuries. Dogs bite nearly five million Americans every year, children are the victims of the most serious attacks, and the annual losses equal approximately $1 bn. These losses do not have to be borne by the dog owners and victims, because insurance is available to pay for it. Every dog owner needs to have homeowner insurance or renters insurance that (a) provides coverage for, and does not exclude, injuries inflicted by dogs or animals in general, and (b) has a limit of at least $100,000 for personal liability. This type of insurance will enable the dog owner's insurance company to pay an appropriate amount of compensation for all but the most severe accidents caused by a dog.