It’s well established that dog bites can cause severe emotional and physical trauma to their victims. Instances of dog bites are unfortunately on the rise.   In the event of a dog bite, the person on the receiving end might pursue legal action and seek damages. In Canada, dogs are considered the owners property, therefore the owner will be held liable for any damages the animal might be responsible for. Thankfully, the liability portion of your home insurance will generally cover any injuries caused by your pets.   That’s why it’s important to provide accurate information to your insurance provider on any pets you own and keep them updated if you decide to adopt a new dog – in fact, not doing so could lead to your whole policy getting cancelled.   Your insurance company will likely ask you information on your pets’ age, height and weight, breed, history of violence and more. Together, your dog’s characteristics will be an important factor in determining the amount and cost of insurance coverage you need.   Typically, the standard liability coverage for home insurance begins at $100,000, but it’s recommended that dog owners increase that amount, or even consider getting umbrella insurance.