Does My Homeowners Insurance Cover Dog Bites?

Even the most well-behaved dogs can have their moments, and unfortunately, that includes the occasional nip or bite.

If your dog happens to bite someone, you might wonder whether your homeowners insurance will cover the costs associated with the incident.

It’s essential to understand how a homeowners insurance policy can apply in this situation.

Personal Liability Coverage and Dog Bites

Homeowners insurance typically includes personal liability coverage, which can step in when someone is injured due to your negligence, such as your dog biting someone.

Since you’re responsible for your dog’s behavior, any damage or injuries caused by your canine companion typically fall under your liability.

How Personal Liability Insurance Works for a Dog Bite

Whether the dog bite occurs on your property or elsewhere, your homeowners insurance may have your back. If your dog nips the mail carrier at your doorstep or playfully nips a neighbor during a walk, you are typically covered.

Personal liability coverage may help pay for major medical expenses, legal fees or other significant costs resulting from the incident. The coverage limits depend on your policy but can be substantial.

For minor injuries, medical payments coverage within your policy may come into play. This coverage can cover minor medical fees incurred by the person bitten, regardless of fault. Typically, it has a limit ranging from $1,000 to $5,000.

What to do if Your Dog Bites Someone

If your dog bites someone, use the following steps:

• Ensure safety. Separate your dog from the person to prevent further harm. Attend to the injured person’s needs, especially if the bite is severe.

• Provide first aid. Clean the wound with soap and water and apply pressure to stop any bleeding. If the bite is deep or bleeding heavily, seek medical attention promptly.

• Exchange information. Exchange contact information with the injured person. This includes your name, address and phone number. You may need this for insurance purposes or legal proceedings.

• Report the incident. Depending on local laws, you might need to report the dog bite to animal control or law enforcement. They can guide you on the next steps.

• Contact your insurance provider. Notify your homeowners or renters insurance provider about the incident. They can advise you on coverage and potential liability.

• Consult legal advice. Consider consulting an attorney to understand your rights and responsibilities. Laws vary by state, making legal guidance essential.

Homeowners Insurance in Oakland, CA

Contact AR Insurance Solutions today to review your homeowners insurance. We can make policy recommendations based on your pet and other circumstances and help you understand your policy details.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.