ALLOWING A TENANT TO HAVE A DOG CAN CAUSE A SERIOUS RISK TO THE PROPERTY OWNER AND PROPERTY MANAGER IF THERE IS NO INSURANCE COVERAGE

 

1.  Many Homeowners Insurance policies have a DOG BITE COVERAGE EXCLUSION.

 

2.  Many Property Owners have no idea that their Homeowners Insurance policy has the exclusion but still allow the Tenant to have a dog. 

  

3.   If there is a DOG BITE COVERAGE EXCLUSION, the Property Owner can be sued and not have any coverage whatsoever putting the Property Owner at great risk.

 

4.   The Tenant can be required to purchase separate dog bite liability insurance which may or may not help in a dog bite situation.

 

5.  The Tenant’s dog bite liability insurance coverage must name the Property Owner and the Property Management Company as “additional insured”.

 

6.   The fact that the Tenant may have purchased dog bite liability insurance coverage does NOT mean the Tenant’s attorney will not still sue the Property Owner and/or Property Management Company.

 

7.  If the Property Owner’s Homeowners Insurance has a DOG BITE COVERAGE EXCLUSION, we do not recommend allowing a dog.

 

8.  If the Property Owner is going to allow a dog, we recommend that the Property Owner gets Homeowners Insurance that does not have a DOG BITE COVERAGE EXCLUSION  

 

9.  Before allowing a Tenant to have a dog, the Property Manager MUST see if there is coverage or if there is a DOG BITE COVERAGE EXCLUSION.  

 

 

EXTREME CARE MUST BE TAKEN BEFORE ALLOWING A TENANT TO HAVE A DOG.  TAKE THE TIME TO RESEARCH THE PROPERTY OWNER’S HOMEOWNERS INSURANCE POLICY TO SEE IF THERE IS COVERAGE OR AN EXCLUSION.

 

“Serving the Property Management Professional”

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