Does Homeowner’s Insurance Cover Dog Bites?

In a typical year, dog bites account for a third of all homeowner’s liability claims. So, yes, in most cases, your homeowner’s policy will cover a dog bite. However, many insurance companies now refuse to provide policies to owners of “so-called” aggressive breeds. Some of the commonly excluded breeds include Rottweilers, German Shepherds, and pit bulls.

homeowner’s insurance cover dog bites: their concerns

Many dogs can certainly cause a lot of damage to a home, but that’s not where the insurance company’s concern lies. They are mostly worried about your dog hurting someone and you getting sued because of it. Medical bills, pain and suffering, and lost wages can really add up.

Some insurance companies will still write policies for homes that include “aggressive breeds,” but the premiums will be more expensive.

will homeowners insurance cover a dog bite
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What About Exotic Pets and Homeowner’s Insurance?

While your homeowner’s policy will cover dogs, cats, and other common household pets, exotic pets are often excluded. If you have a pet bobcat or venomous snake, you can still get a policy to cover the liability such a pet creates, but it can be very expensive.

Contact Your Homeowner’s Insurance Agent

Contact your insurance agent if you have any questions or concerns. If you have a dog that is known to bite, consider hiring a professional trainer to help curb the dog’s aggressive behavior. Be sure you have the coverage you need in case a serious dog bite occurs in the future.

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