Ancient Egyptians worshipped cats. Broadway performers sing about them (in “Cats”). In grunge rock circles, people still speak in awe of Bill the Cat (and the Boingers).
So just what is it with homeowners insurance and dogs? Lately it seems claims for either damage to or damage caused by canines appear at every turn. Pit bull attacks appear regularly in the news. Dog questions arrive at IIABA's Virtual University and are raised in E&O classes. An outbreak of dog claims led to new restrictive ordinances and endorsements in many states.
Clearly dogs have attained front-burner status with homeowners underwriters. So it seems appropriate to review just what coverage, if any, exists for such claims in the typical ISO homeowners policy. Dog owners, listen up! (Note to cat owners: Don't get cocky. As a co-resident with two cats owned by my wife and son-I'm a dog guy, myself-I can assure you that intimidation is the only reason cat claims are reported less frequently than dog claims.) Clear your desks, get out your 2000 edition of the ISO HO form and let's have at it!
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