To hire a safe for dogs there are different options, and each owner will have to analyze that best suits your needs.
The different types of policies that can be found on the market vary according to type of coverage you want to hire as the type of race involved.
The various options are:
Dog Insurance
Several companies offer specific insurance for dogs. It is a liability policy for dogs that are in which insurance companies distinguish between special and non special dogs . In Spain you must purchase a policy of this kind when dealing with dangerous dogs , and only in the autonomous Basque Country and Madrid is required for any dog. Note that the premium paid is different depending on the breed of dog, because when it comes to dangerous dogs, the premium can be doubled.
In this type of insurance can be arranged a basic policy , ie only civil liability, or more complete coverage, providing assistance to the pet in case of accidents, illnesses, to compensation for damages and legal assistance.
When the dog is officially deemed dangerous, owners are required to sign a policy with liability coverage of at least 120,202 euros.
Policy for family and animals
In this case, it is possible to contract a common policy to cover damages caused by the pet or other family member, including children . This type of insurance covers, for example, the broken windows of a neighbor to play with the ball, scratching performed on a painted wall or lift. Obviously with increasing the risk to be covered, the greater the amount of the fee to be paid.
Household comprehensive insurance
Another alternative is to hire a Multi-Risk Home Insurance , these policies often include small print whether it covers the liability for damage that may cause the pet . If so, companies generally include a clause stating that the liability insurance taken out warrants for damage caused by household pets tested property and living in the household of the insured. It is also important to consider the limits of coverage , as some companies do not take care of the damage caused by pets in the absence of the owners, in addition to being required compliance with certain requirements, such as specifying the breed of animal identification from the chip and a photocopy of the vaccination card.
It is noteworthy that in the event that your home insurance does not include specific coverage for pets , you can negotiate an extension with the insurer paying this insurance typically between 10 and 15 euros more per year.
Like other insurance, is between an individual and an insurance company providing the service. When hiring, you must pay a monthly, quarterly, semi-annually for a period ranging from 15 to 22 years, which is specified in the contract.
