Do you cover RC's insurance if my dog breaks my stuff?

One of the doubts any dog owner can raise is whether the Sure. of Civil liability For dogs it will cover the damage if my dog destroys my things. The dogs, even though they are very good, destroy things throughout their lives. Sometimes by accident, sometimes because they are bored... the truth is that almost all dog owners have ever faced broken socks or cushions, shelves or legs of bitten and shattered chairs when their teeth come out and a long et cetera of small damage. Sometimes, there is even greater damage from accidents.

It is often a financial lifesaver for the owners. Dogs are known for their loyalty, love and company, but like any living being, they can have unpredictable behaviors in certain situations. Having a RC insurance that covers the damage caused by your dog will be a salvation board.

RC insurance coverage what happens if my dog breaks my stuff?

By definition, the liability insurance is «a third parties»; that is, it covers the damage to a third or to the property of a third party. If you own the dog and also the owner of the property that your dog bites or destroys, they will not be covered by the Civil Liability Insurance.

We give you a clear example: if you stay with your dog in a hotel and when you arrive it has broken the upholstery of a chair, the Civil Liability Insurance will take over the damage. However, if that same episode happens when you come home and you find the upholstery of the broken chair, the RC insurance will not cover you.

Why? For property ownership.

In the first case, in the hotel, the chair is not your property, but the hotel. The dog has caused damage to a third party and RC insurance will take over the damage.

In the second case, the chair is your property, so the dog has not caused damage to a third party because you are not a third party, you are the owner of the dog and it is normal that you are also the Tomato insurance. Therefore, RC insurance cannot take care of the damage your dog has caused.

In conclusion, If your dog destroys your things, the liability insurance doesn't have coverageHe will neither repair you nor compensate you for the damage.

And what if my dog destroys my family's things?

Here the answer is a little complicated and you will have to see exactly the coverage and exclusions of your Policy of RC. Don't worry, because in inXur we'll inform you of all the details, so you can hire the insurance for your pet you really need.

The general rule is that if my dog was to destroy my family's things it would be like my dog was to destroy my things, it wouldn't be covered. It is understood that the family lives in the same house and is therefore not considered a third. If you live with your father, daughter or sister and the dog destroys something that belongs to any conviver of the house, the RC insurance will not cover those damage.

Another thing is, you take your dog to your mother's or your son's house and I'll tear something up there. In that case, we'll have to see what the policy says. Some policies exclude damage that the dog may cause to persons who have voluntarily accepted custody.

Note that Civil Responsibility will cover the damage caused by your dog to a third party, not to your own personal property or yourself. Members of the nearest family may also be excluded. It is important to talk to your insurance company to fully understand the details of your policy and make sure that you are properly protected as owner from a dog.

As always, you must not worry about anything, in inXur we are insurance specialists and are at your disposal to help you find the insurance you need. We make insurance easy for you and we explain all the conditions of each insurance so that you can always hire the Policy that you really need.