{"id":34109,"date":"2023-03-16T16:35:27","date_gmt":"2023-03-16T15:35:27","guid":{"rendered":"https:\/\/www.cbleon-abogados.com\/the-unknown-coverage-of-homeowners-insurance-for-damages-caused-by-pets\/"},"modified":"2023-03-16T16:35:27","modified_gmt":"2023-03-16T15:35:27","slug":"the-unknown-coverage-of-homeowners-insurance-for-damages-caused-by-pets","status":"publish","type":"post","link":"https:\/\/cbleon-abogados.com\/en\/the-unknown-coverage-of-homeowners-insurance-for-damages-caused-by-pets\/","title":{"rendered":"The unknown coverage of homeowner&#8217;s insurance for damages caused by pets"},"content":{"rendered":"<p><strong><span style=\"color: #000000;\">It is vital that you are aware of your homeowner&#8217;s insurance coverage for pet damage if you have a pet. In addition, this is considered a very important issue that can help you to have financial protection in case of an accident.<\/span><\/strong><\/p>\n<p><span style=\"color: #000000;\">In fact, in Spain, the law provides that pet owners are responsible for the damages caused. In the absence of insurance to compensate for damages, you may be subject to legal penalties. Therefore, you should read this article where you will find all the necessary information about it.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Tabla de Contenidos<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/cbleon-abogados.com\/en\/the-unknown-coverage-of-homeowners-insurance-for-damages-caused-by-pets\/#Learn_more_about_pet_damage_insurance\" >Learn more about pet damage insurance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/cbleon-abogados.com\/en\/the-unknown-coverage-of-homeowners-insurance-for-damages-caused-by-pets\/#What_else_should_you_know_about_this_coverage\" >What else should you know about this coverage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/cbleon-abogados.com\/en\/the-unknown-coverage-of-homeowners-insurance-for-damages-caused-by-pets\/#Protect_yourself_and_others_from_harm_caused_by_pets\" >Protect yourself and others from harm caused by pets.<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Learn_more_about_pet_damage_insurance\"><\/span>\n<span style=\"color: #000000;\"><strong>Learn more about pet damage insurance<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure id=\"attachment_34106\" aria-describedby=\"caption-attachment-34106\" style=\"width: 2000px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-34104 size-full\" src=\"https:\/\/www.cbleon-abogados.com\/wp-content\/uploads\/2023\/03\/Grupo-de-perros-y-gatos-delante-de-fondo-blanco.jpg\" alt=\"Group of dogs and cats in front of white background\" width=\"2000\" height=\"1254\" srcset=\"https:\/\/cbleon-abogados.com\/wp-content\/uploads\/2023\/03\/Grupo-de-perros-y-gatos-delante-de-fondo-blanco.jpg 2000w, https:\/\/cbleon-abogados.com\/wp-content\/uploads\/2023\/03\/Grupo-de-perros-y-gatos-delante-de-fondo-blanco-300x188.jpg 300w, https:\/\/cbleon-abogados.com\/wp-content\/uploads\/2023\/03\/Grupo-de-perros-y-gatos-delante-de-fondo-blanco-1024x642.jpg 1024w, https:\/\/cbleon-abogados.com\/wp-content\/uploads\/2023\/03\/Grupo-de-perros-y-gatos-delante-de-fondo-blanco-768x482.jpg 768w, https:\/\/cbleon-abogados.com\/wp-content\/uploads\/2023\/03\/Grupo-de-perros-y-gatos-delante-de-fondo-blanco-1536x963.jpg 1536w, https:\/\/cbleon-abogados.com\/wp-content\/uploads\/2023\/03\/Grupo-de-perros-y-gatos-delante-de-fondo-blanco-370x232.jpg 370w, https:\/\/cbleon-abogados.com\/wp-content\/uploads\/2023\/03\/Grupo-de-perros-y-gatos-delante-de-fondo-blanco-760x477.jpg 760w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/><figcaption id=\"caption-attachment-34106\" class=\"wp-caption-text\">Group of dogs and cats in front of white background<\/figcaption><\/figure>\n<p><span style=\"color: #000000;\">In Spain, the issue of damages caused by domestic animals is vital nowadays. Although it is not considered necessary to insure it, except for certain types of dogs that are considered dangerous. Some of them are the American Staffordshire Terrier, the Rottweiler and the Pit Bull Terrier. However, in the Basque Country and Madrid they should be, regardless of the species they are.<\/span><\/p>\n<p><strong><span style=\"color: #000000;\">The reason for this is that these dogs have the ability to cause serious injury with their bite. This makes it mandatory to have liability insurance to cover <a href=\"https:\/\/www.cbleon-abogados.com\/en\/actions-that-could-be-taken-to-an-unpleasant-neighbour-in-the-community\/\">damages<\/a> caused to others. You should also consider that the cost of this policy varies depending on the canine variety and the value of the pet.<\/span><\/strong><\/p>\n<p><span style=\"color: #000000;\">In this sense, the Royal Decree 287\/2002 is the one that decides the rules for keeping pets that can be potentially dangerous. Here it is ruled that the owners of these dogs must prove that they have liability coverage to cover damages to other people.  <\/span><br \/>\n<span style=\"color: #000000;\">A veterinarian can also give this classification to a pet, if he does so, the owner is obliged to insure it. The companies allow to have this in an age range from three months to nine years.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_else_should_you_know_about_this_coverage\"><\/span>\n<span style=\"color: #000000;\"><strong>What else should you know about this coverage?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"color: #000000;\">Today, some experts believe that the PPP classification, which stands for Potentially Dangerous Dog, should be abolished. The reason is that the animal&#8217;s aggressiveness is more related to its breeding and handling than to its breed or genetics. In certain cases, prejudice is judged to predominate.<\/span><br \/>\n<span style=\"color: #000000;\">It is only mandatory in two places in Spain, but a law was passed in <a href=\"https:\/\/www.larazon.es\/guias\/ley-bienestar-animal-cuanto-cuesta-seguro-perros_2023021663ee86d9b670df0001579368.html\" target=\"_blank\" rel=\"noopener\">Congress<\/a>. So it is mandatory throughout the country and, in addition, it focuses on the protection, rights and comfort of animals.<\/span><\/p>\n<p><span style=\"color: #000000;\">Penalties for non-compliance will range from 150 to 15,000 euros. This depends on the seriousness of the infraction, and it is decreed that the owner will be responsible for the damages his pet causes to third parties. In addition, Madrid law considers the lack of the policy as a minor infraction.<\/span><br \/>\n<span style=\"color: #000000;\">Key elements of the new law<\/span><\/p>\n<p><strong><span style=\"color: #000000;\">Another element you should consider about the new law for damages caused by pets is that it requires a pet permit; you also have to take a training workshop. All this, with the purpose of improving the welfare and coexistence of the dog.<\/span><\/strong><\/p>\n<p><span style=\"color: #000000;\">In addition, it has a minimum coverage of 120,000 euros to obtain or renew the license. However, some people consider that it could be a challenge, due to the large number of pets in Spain. However, owning a policy is always beneficial and will give you peace of mind.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Protect_yourself_and_others_from_harm_caused_by_pets\"><\/span>\n<span style=\"color: #000000;\"><strong>Protect yourself and others from harm caused by pets.<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"color: #000000;\">Insurance covering damage caused by pets is not only a requirement, but also essential for your peace of mind. This will help save you a lot of hassle and unforeseen costs. It will also provide additional peace of mind and protection for pets, others and you.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It is vital that you are aware of your homeowner&#8217;s insurance coverage for pet damage if you have a pet. In addition, this is considered a very important issue that can help you to have financial protection in case of an accident. In fact, in Spain, the law provides that pet owners are responsible for the damages caused. In the&hellip;<\/p>\n","protected":false},"author":5,"featured_media":34103,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_joinchat":[],"footnotes":""},"categories":[170],"tags":[],"class_list":["post-34109","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/posts\/34109","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/comments?post=34109"}],"version-history":[{"count":0,"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/posts\/34109\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/media\/34103"}],"wp:attachment":[{"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/media?parent=34109"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/categories?post=34109"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cbleon-abogados.com\/en\/wp-json\/wp\/v2\/tags?post=34109"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}