The unknown coverage of homeowner’s insurance for damages caused by pets

It is vital that you are aware of your homeowner’s insurance coverage for pet damage if you have a pet. In addition, this is considered a very important issue that can help you to have financial protection in case of an accident.

In fact, in Spain, the law provides that pet owners are responsible for the damages caused. In the absence of insurance to compensate for damages, you may be subject to legal penalties. Therefore, you should read this article where you will find all the necessary information about it.

Learn more about pet damage insurance

Group of dogs and cats in front of white background
Group of dogs and cats in front of white background

In Spain, the issue of damages caused by domestic animals is vital nowadays. Although it is not considered necessary to insure it, except for certain types of dogs that are considered dangerous. Some of them are the American Staffordshire Terrier, the Rottweiler and the Pit Bull Terrier. However, in the Basque Country and Madrid they should be, regardless of the species they are.

The reason for this is that these dogs have the ability to cause serious injury with their bite. This makes it mandatory to have liability insurance to cover damages caused to others. You should also consider that the cost of this policy varies depending on the canine variety and the value of the pet.

In this sense, the Royal Decree 287/2002 is the one that decides the rules for keeping pets that can be potentially dangerous. Here it is ruled that the owners of these dogs must prove that they have liability coverage to cover damages to other people.
A veterinarian can also give this classification to a pet, if he does so, the owner is obliged to insure it. The companies allow to have this in an age range from three months to nine years.

What else should you know about this coverage?

Today, some experts believe that the PPP classification, which stands for Potentially Dangerous Dog, should be abolished. The reason is that the animal’s aggressiveness is more related to its breeding and handling than to its breed or genetics. In certain cases, prejudice is judged to predominate.
It is only mandatory in two places in Spain, but a law was passed in Congress. So it is mandatory throughout the country and, in addition, it focuses on the protection, rights and comfort of animals.

Penalties for non-compliance will range from 150 to 15,000 euros. This depends on the seriousness of the infraction, and it is decreed that the owner will be responsible for the damages his pet causes to third parties. In addition, Madrid law considers the lack of the policy as a minor infraction.
Key elements of the new law

Another element you should consider about the new law for damages caused by pets is that it requires a pet permit; you also have to take a training workshop. All this, with the purpose of improving the welfare and coexistence of the dog.

In addition, it has a minimum coverage of 120,000 euros to obtain or renew the license. However, some people consider that it could be a challenge, due to the large number of pets in Spain. However, owning a policy is always beneficial and will give you peace of mind.

Protect yourself and others from harm caused by pets.

Insurance covering damage caused by pets is not only a requirement, but also essential for your peace of mind. This will help save you a lot of hassle and unforeseen costs. It will also provide additional peace of mind and protection for pets, others and you.

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