Are Dog Bites Covered Under Homeowners Insurance?

When you’re out walking your dog, playing with them at the park, or introducing them to your niece and nephew, the last thing you’re thinking about is what to do if they bite someone. Beyond the fear and first aid kits, the most important thing to do is make sure whoever has been bitten is taken care of. Damage can range from a pinch that doesn’t break the skin to severe damage that can linger for years.

According to the American Pet Products Association’s 2021-2022 Pet Owner Survey, nearly 69 million American households own dogs. With numbers like that, it makes sense that nearly 4.5 million people report being bitten by a dog annually, with children being the main victims.

However, when it comes to a claim and what goes into one, that’s less common knowledge:

How does a pet owner pay for hospital bills and claims?

The good news is that most homeowners and renters insurance policies cover dog bite liability. This includes legal expenses as well as the medical expenses of the victim. The average policy will cover a significant amount, but if a claim exceeds the policy’s limits, the dog owner will be responsible for all damages above it.

There is one aspect that is important to pay attention to when dealing with these claims. While some insurance agencies will cover any dog bites, some insurers won’t due to the breed of your dog, especially if it shows up on a dangerous breed list. Even the state you live in can affect this type of coverage.

But there is a silver lining for those worried that their insurance won’t cover their dog. Those with an umbrella policy can rest a little easier, as it will give you the coverage you need. Another thing to consider is switching your homeowners or renters insurance to a company that does not enforce breed restrictions.

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If you or a loved one has been injured by a dog bite, or if your dog has bitten someone, the Law Offices of Geoff Rill can help.

Contact us today for your free consultation.