Complete dog liability: You should be aware of this

If you want to take out a dog liability insurance, there are a few things you should consider in order to obtain optimal protection on the one hand and not to pay too much for the insurance on the other. Here are a few tips for taking out dog liability insurance. What do dog owners have to consider when taking out dog liability? - Image: Shutterstock / a katz

Dog liability insurance is compulsory in the federal states of Berlin, Hamburg, Thuringia, Lower Saxony and Saxony-Anhalt. Owners of so-called fighting dogs are even obliged to take out insurance for their animals everywhere. Normal annual premiums for dog liability insurance range from 50 to 100 euros and are based on the agreed amount of coverage and the deductible per damage.

If you can afford it, a deductible of 125 to 150 euros makes sense, as the monthly contributions will be considerably lower. However, you also have to pay for minor damage, such as gnawed shoes or destroyed plants in the park.

Observe the statutory minimum coverage

If you are taking out liability for your dog, you should first think about the amount of the coverage. This determines the amount up to which your insurance will pay for damage. Usual coverage amounts range between three and five million euros. Attention: Some federal states have legal regulations regarding these amounts. Lower Saxony, for example, stipulates a minimum coverage of EUR 500,000 for personal injury.

If you take out dog liability insurance, you must of course make this dependent on your individual requirements. In general, however, it is advisable to take out a high coverage sum and a small deductible - so you have adequate protection paired with levable monthly contributions.

Fascinating: dog pictures in black and white

What else you should consider

In addition to considerations on the excess and the minimum coverage, you should check exactly what damage is covered before you take out dog liability. Dog liability insurance must cover property damage, personal injury and financial loss. Normal exclusion criteria are damage that can be attributed to special, threatening circumstances. Such a circumstance relates, for example, to a scenario in which a behavioral dog walks around without a leash and causes damage - liability would not be activated here.

Also note that insurance does not cover damage to rented, leased or borrowed items.