Umbrella Insurance: An umbrella policy provides additional liability coverage beyond the limits of the underlying homeowners or renters insurance policy. It can help provide higher limits of coverage for dog bite claims that exceed the limits of the primary insurance policy.
Specialized Dog Bite Insurance: Some insurance companies offer policies that specifically cover dog bite injuries and legal liability for dog owners. These policies may provide broader coverage and higher limits than standard homeowners or renters insurance policies.
It's important for a policyholder to carefully review their insurance policies to understand the specific terms and conditions related to dog bite coverage, including coverage limits, exclusions, and defense costs.