Every year nearly 4.5 million individuals are bitten by dogs, with an average claim cost of around $24,840. According to the CDC about 1 in 5 dog bites will require medical attention, making it crucial that pet owners ensure that their companions are fully covered in event of an unexpected injury-related incident. Homeowner's insurance and renters' coverage plans often provide only limited liability coverage, and frequently deny coverage based on breed. However, the Federation of Insured Dog Owners in Florida (F.I.D.O.) can help concerned owners to gain access to comprehensive coverage regardless of pet breed.
A Different Way to Asses Risk
While many insurance providers will refuse coverage based on breed alone, F.I.D.O. members have unique access to plans with a nuanced approach that better serves pet owners. Members can get an easy self-rating quote based on a combination of breed, weight, and size considerations as well as important factors such as responsible, ongoing veterinary care, well-fenced enclosures and yards, and cohabitation with children.
In addition to improved coverage options, members of the Federation of Insured Dog Owners in Florida will appreciate the fact that annual membership fees are used to fund a variety of support rescue groups and educational pet programs. If you are concerned that your current renter's or homeowner's insurance plan does not provide sufficient coverage, or breed restrictions make such coverage difficult to find, you may want to consider looking into this innovative insurance offering.