Important Things To Know About Dog Bite Claims and Homeowners Insurance

The average cost of a dog bite claim in the United States is over $43,000. Therefore, dog owners must have financial protection

Dog bites are a serious concern and present a significant liability. According to the Centers for Disease Control (CDC), dogs bite more than 4.5 million people annually in the United States. Of the 4.5 million people, 800,000 require medical attention. Some of the most likely dogs to bite include pit bulls, chihuahuas, and rottweilers. Nevertheless, even non-aggressive dog breeds may bite. 

If you own a dog, you are liable for any harm the pet may cause. For instance, if your neighbor wanders into your yard and the dog bites them, you could be sued for damages.

Insurance may cover the expense, but you’ll have to pay out of pocket if you don’t have coverage. You may also incur fines by your city or county, and in some cases, your dog could be put down. Although financial protection is a must, so is adequate training. 

While dog bites are generally preventable, they happen now and then. Fortunately, homeowners insurance policies will typically cover the costs associated with a dog bite. However, there are various exceptions, including the dog’s breed and any history of biting. Always read your homeowner’s insurance policy’s fine print before getting a pet. 

Let’s explore homeowners insurance and answer some of the most common questions, such as “does homeowners insurance cover dog bites?”

 

Dog Bites and Your Liability Coverage

As mentioned, a dog creates liability for the homeowner. The dog could bite a guest you invite into your home or someone who cuts through your backyard. Either way, you’re ultimately responsible since it’s your dog. Homeowner’s insurance will generally cover the cost of the bite.

If you’re a renter, your renters insurance may reimburse some costs. Still, you should ensure that any dog bit insurance has enough coverage. You’ll have to cover the cost of any claim that surpasses your policy’s limits. The best way to confirm your coverage amount is to speak with your insurance agent.

Your homeowner’s insurance policy covers various things, including the costs of repairs or theft. Your policy’s personal liability coverage pays for medical and legal expenses that arise from a dog bite. This includes fees if your dog (or another dog) has to receive veterinary treatment.

 

Does Homeowners Insurance Cover All Dog Bites?

Many homeowners ask the question, does homeowners insurance cover dog bites? The answer is generally yes, but it doesn’t cover all dogs – there are various caveats. For instance, dog bite insurance may not cover you if you have an aggressive breed or a dog with a history of biting. 

Biting History

Dog bites will go on your homeowner’s insurance record. If your dog has a history of biting people or other animals, the company may charge you a higher premium for dog bite insurance. In other words, your dog is a risk and, therefore, more expensive to insure. You may have to pay higher rates even if you switch to a new insurance carrier. Moreover, an insurance company could flat out deny to insure you if your dog has a long history of causing harm. In this case, you may have no other choice but to give up your dog or put it through an extensive training program.

Breeds

Various naturally aggressive breeds have a higher tendency to bite. These breeds include pit bulls, rottweilers, and Dobermans, to name a few. If you own one of these breeds, an insurance company may deny you coverage or charge a higher premium. Even if your dog isn’t aggressive, the insurance carrier views the breed as a liability. 

 

Dog Bite Claims and Homeowners insurance: A Final Glance

It’s essential to be aware of dog bite claims and homeowners insurance, especially if you own pets. Generally, a homeowners insurance policy will cover the cost of a dog bite—however, restrictions apply. If you’re not sure about your coverage limits or policy terms, it’s best to speak with your insurance agent.

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