In 2022, insurers paid out more than $1 billion in liability claims, with the average cost per claim more than $64,000, due to increased medical costs and legal payouts.
Whether you’re the dog owner or the person who was bitten, understanding how homeowner’s insurance and dog bites intersect can make all the difference in how a case is handled and who is financially responsible.
Does Homeowner’s Insurance Cover Dog Bites?
Yes, in many cases, homeowner’s insurance does cover dog bites.
Most standard policies include liability coverage that protects the homeowner if their dog injures someone either on their property or in certain circumstances off-site.
This means if your dog bites a guest in your yard or even a passerby during a walk, your homeowner’s insurance may kick in to cover the resulting medical expenses and legal fees.
Legal Liability Standards: Understanding State Laws
Different states have varying laws regarding dog bite liability, which can impact homeowner’s insurance coverage. It’s important to be aware of the specific regulations in your state, as they can determine the extent of liability and influence insurance claims. For instance:
- Dog Bite Statute: The owner is always liable for injuries caused by their dog, regardless of the dog’s history.
- One-Bite Rule: The owner is liable if they knew or should have known the dog was dangerous. For example, Kansas follows the one-bite rule.
- Negligence Laws: The owner is liable only if they were negligent in controlling the dog.
Understanding these laws can help homeowners assess their risk and ensure they have appropriate coverage.
Scenarios Where Home Insurance Covers Dog Bites
Here are a few common examples where homeowner’s’ insurance coverage may apply:
1. Dog Bites a Guest on Your Property
This is the most straightforward scenario. A friend visits your home; your dog becomes startled and bites them. Your homeowner’s insurance is likely to cover the injury, including medical expenses and even potential legal costs if a claim is filed.
2. Dog Bites Someone Off-Property
Many policies also cover off-premises incidents. So, if your dog is leashed and bites someone during a walk in the park, home insurance dog bite coverage may still apply, especially if negligence isn’t a factor.
3. Dog Bites Another Animal
If your dog attacks another person’s pet, the situation becomes more complicated. Some homeowner’s’ policies extend to property damage (which includes pets), but it often depends on the state and policy language. It’s worth contacting your insurance company directly or speaking with an attorney to see what’s covered.
4. Dog Bites a Delivery Worker or Stranger
If a delivery driver or postal worker is bitten on your property, your homeowner’s insurance dog bite liability coverage may protect you. However, repeated incidents or failure to control the dog could affect your coverage.
When Homeowner’s Insurance May Not Cover a Dog Bite
While many policies do offer dog bite protection, there are limits and exclusions to be aware of:
- Breed Exclusions: Some insurers exclude certain breeds (like Pit Bulls, Rottweilers, and Dobermans) from coverage, regardless of the dog’s behavior.
- History of Aggression: If your dog has a documented history of biting or aggressive behavior, the insurer may deny future claims.
- Policy Exclusions: Not all homeowner’s policies automatically include dog bite coverage, especially if you’re using a non-standard or discounted policy.
So, if you’re asking, “Does my homeowner’s insurance cover dog bites if my dog has bitten before?” you’ll likely need to review your policy carefully or speak with a qualified personal injury lawyer.
Are Dog Bites Covered Under Homeowner’s Insurance? Here’s What to Ask:
If you’re a dog owner, it’s a good idea to review your policy regularly and ask your insurance provider:
- Does my homeowner’s insurance cover dog bites, on and off property?
- Are there any breed restrictions or past behavior clauses?
- Is there a liability limit for dog bite claims?
- What documentation is needed if someone is injured?
Filing a Dog Bite Insurance Claim
If you’ve been bitten by someone else’s dog and they have homeowner’s insurance, you may be able to file a dog bite insurance claim through their liability policy. Here’s what you should do:
1. Seek Medical Attention Immediately
Always document the injury and get proper treatment. Even minor bites can lead to infection or long-term complications.
2. Get the Dog Owner’s Insurance Information
Just like with a car accident, you’ll want to get the homeowner’s insurance details so you can begin the claims process.
3. Report the Incident to Animal Control or Local Authorities
This helps document the bite and ensures the dog is evaluated properly.
4. Speak to a Personal Injury Attorney
A skilled attorney can help guide you through the process, especially if the claim is denied or if the injury is severe.
Continue Reading: How Long Does It Take to Settle a Dog Bite Claim?
Let DM Injury Law Represent Your Dog Bite Claim
Dog bites can cause serious injuries, lead to unexpected medical bills, and create lasting emotional distress. In many cases, homeowner’s insurance can help cover the costs but knowing how to file a claim and who’s responsible isn’t always clear. That’s where we come in.
At DM Injury Law, we’re committed to helping individuals who have suffered dog bite injuries get the answers and the support they need. Our team can walk you through the process, help you understand your rights, and pursue the full compensation you deserve.
Learn More: What Is the Average Dog Bite Injury Settlement?
Reach out today to schedule a free consultation. There’s no cost to talk, and no obligation—just the information you need to make the best decision for your recovery.
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