“He is not doing anything!” And then he bites: When dogs injure people or other animals or cause damage to property, it can be expensive. In order to protect yourself from the financial consequences, the Rhineland-Palatinate consumer advice center recommends taking out dog owner liability insurance.
With a contribution of around 50 euros per year, this is not expensive, but it is all the more worthwhile in an emergency. However, there are a few things to keep in mind when graduating. Consumer advocates advise looking at the small print. Sometimes the contribution amount is made dependent on the dog breed, certain attack dog breeds are completely excluded from the benefits.
Extensive insurance protection
Because personal injury in particular can cause immense costs, the sum insured should be at least ten million euros. Damage should also be covered that the dog causes when third parties are looking after it or when you unknowingly violate a leash or muzzle obligation. And unwanted mating acts can also be insured.
Property damage caused by the four-legged friend in a rented apartment should be insured for up to 500,000 euros, and puppies should ideally be insured for at least six months before they need their own policy. And if you are planning to go abroad with your faithful companion, it is best to ensure that stays in other EU countries are included in the insurance cover for at least three years and stays in all other countries for at least one year.