Firework Pet Safety

Keep your pets safe during the Fourth of July Fireworks

 

For most of us, the Fourth of July is a time to enjoy the pyrotechnics that mark the holiday. But for our pets, fireworks are another story. Many pets can be traumatized by the noisy rockets and firecrackers so many of us enjoy.

 

At Brown & Brown Insurancefirework pet safety, we hope your holiday is happy and safe for you and your pets. So along with our other story about fireworks safety, here are some tips to help you protect your pets on the Fourth in New Mexico, or elsewhere.

 

Protecting your pets

Many pets are very frightened by the loud noises caused by fireworks. If you can’t take them away from the noise, here are some pointers from the American Society for the Prevention of Cruelty to Animals that will help them have a more peaceful holiday.

  • Don’t take your pet to a public fireworks display. In addition to the noise, they may be spooked by the crowds.
  • If possible, leave your pet inside in a safe, secure room. Do not leave them outside, even if your yard is fenced. They may try to flee, and they may succeed; July 5 is a busy year at many animal shelters in {city}, as dogs and cats are frequently found miles from their homes. Taking your pet on a walk early in the day can help tire them out.
  • Give your pets a comfortable place to rest, as well as plenty of food and water. You might even leave a TV or stereo on to drown out the fireworks. Provide soothing music, if possible. A favorite toy (or their favorite owner!) can help comfort them, too.
  • Make sure your pets have an ID tag or microchip, in case they get scared and escape.
  • Check with your veterinarian before giving your pet any medication intended to calm them. They may be able to provide you with a prescription or suggest alternatives.
  • And, of course, keep your pet away from used and unused fireworks.

 

With some common sense and planning, the Fourth of July can be both safe and enjoyable for everyone – and less scary for your pets. Whether you’re staying at home or heading to the Balloon Fiesta Park , or elsewhere, we hope you have a wonderful time celebrating our independence

Dogs and Umbrella Insurance

Love Bites—Get Umbrella Coverage

In today’s economy, everyone is pinching pennies.  So why worry about umbrella coverage?  Shouldn’t a home and auto policy leave you adequately covered?

Unfortunately, we live in a world of lawsuits.  Large damages can be awarded, be extremely expensive and have long-term financial impact.  Those lawsuits can come from unlikely sources, such as our furry friends.

Take Herschel for instance.  Herschel is a much-loved, rather timid labradoodle who enjoys taking naps on the driveway while his owner mDog and Umbrella Insuranceows the lawn.

Herschel watched from eight feet away as his neighbor, a 39 year old man, showed off his rollerblading skills to his kids.  The man wiped out on the sidewalk in front of Herschel’s house and broke his leg.  He required surgery, costing around $35,000 in medical costs and $18,000 in lost wages.

Fair or not, the man brought a lawsuit against Herschel’s owner, suing for $220,000 in damages.  He alleged that Herschel had caused the accident by getting in his way, despite multiple witnesses to the contrary.

But Herschel’s owner was lucky–a jury vindicated Herschel. However, lawsuits such as these can easily exceed the limits on a homeowner’s policy, leaving the insured responsible for the remainder.  An umbrella policy would prevent that, giving you an extra $1 million to $5 million in coverage.

Our furry friends can put your assets at risk in other ways as well.   According to the Center for Disease Control and Prevention, 4.7 million people are bitten by dogs each year, with half of those occurring on the owner’s property.  Dog bites, according to the Insurance Information Institute, account for about a third of all homeowner’s insurance claims, which only cover limited damages.

 

Protect what you love.  Call us to talk about your umbrella options.

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