We love our dogs in Highland Village. Backyard playtime near the trails. Morning walks along Brazos Boulevard. Our city is just a dog-friendly place. But if your furry BFF ever bites someone, things can get unfriendly super fast.

Texas law is pretty much zero tolerance when it comes to dog bites. Umbrella insurance can save you if you ever find yourself in this situation. Thompson Insurance Services can go over all your options with you.

Texas Has Zero Tolerance for Dog Bites

Texas follows the notorious "one-bite rule." This means that even if your dog bites one time, you can still be held strictly liable for someone’s injuries. You could be facing not just the medical costs of the other person, but also a negligence claim if it’s proven that you didn’t control your dog.

But it doesn’t even have to be an actual bite. In Texas, if your dog is documented for showing aggression, the state may require you to have insurance to cover any eventuality.

What Your Current Insurance Policy Might Not Cover

Most people have some liability coverage for dog bites in their homeowners insurance or renters insurance. But if a dog bite needs medical attention, you can find yourself blowing through your policy limits fast. An ER visit alone can be astronomical. But if it’s very serious? You can be looking at the costs for surgery, rehab, and even a lawsuit.

Without umbrella insurance, all of these remaining costs will come out of your pocket once the limits on your other policies are maxed out. This can affect you now, but also your future earnings could be at risk.

Umbrella Insurance in Highland Village, TX, Can Fill the Gap

Once your current policy is maxed to the base limits, umbrella insurance kicks in to cover the rest. It’s like a cushion on top of your standard policy. For dog owners, this kind of protection is worth it just for the peace of mind alone.

Talk to a Professional to Make Sure You’re Fully Covered

You don’t want to leave dog bite liability to chance. Even a tiny dog can give a bad enough bite to need medical care. Get in touch with our team at Thompson Insurance Services today so we can help you make sure you’ve got the coverage you need.

 

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