on our homeowners insurance policy, it lists under Liability Coverages – Section 11: Dangerous Dog and Exotic Animal Liability $25,000.00. ????

UPDATED: Jul 29, 2015

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UPDATED: Jul 29, 2015Fact Checked

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 29, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

UPDATED: Jul 29, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

UPDATED: Jul 29, 2015Fact Checked

The section of the homeowner policy referring to animals is a special limit in the homeowner policy. If your liability limits are higher than $25,000 then that limit will apply to other liability losses, but if an animal causes injury then the most the insurance company will pay is the $25,000. This is a sublimit and does not affect the cost of your insurance. The Fungi or bacteria limit of $5,000 is also a sub limit under the policy. If you have a claim for either of these then the most you can collect is the $5,000 regardless of the amount of damage.Loss of Use limit is what you can collect if you must live elsewhere due to a covered loss to your home, such as a fire. This is for additional costs you incur while you must live elsewhere.Your insurance agent should have been able to explain all of these items to you. If you do not feel they are responsive enough you should look for a new agent.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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