Does Homeowners Insurance Cover Dog Bites?

Does Homeowners Insurance Cover Dog Bites?

19December,2016
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Most people like dogs, but no one likes having to deal with dog-bite liability. 

Dogs are our best friends and many of us hold them dear, like a member of the family. But, unfortunately, not every dog owner does the responsible thing by training their dog. This irresponsibility by the owner can lead a dog to bite someone and, depending on the breed, can lead to severe damage. According to the Centers for Disease Control and Prevention (CDC), about 885,000 Americans are bitten every year and have sustained significant injury causing them to seek medical attention.

Dog Breeds & Insurance Coverage

The dogs listed below make up only 9% of the total U.S. dog population, but they account for a big proportion of the harm done to humans. This list of breeds is a sample. Your insurance carrier will ask you about dogs and refer to a comprehensive list of breeds.  The insurance premium may be higher due to the breed of dog. Or the dog might be excluded from your homeowners insurance policy.  It is important to understand the limitations in your policy. Ask your agent about a dog-bite liability rider/endorsement to your policy.  Also inquire about an Umbrella Liability Policy with a broad range of protection.

  • Pit bulls
  • Rottweilers
  • Mastiffs
  • Boxers
  • and mixes of these breeds

In California, dog owners are 100% responsible for their dogs and must abide by the leash law.  If your dog bites someone or even another dog, and your dog is not leashed, the dollars paid to a claimant can be rather large.

Your homeowners insurance policy should be reviewed by your insurance agent–especially if you have a dog. Contact Hoffman Brown Company in Sherman Oaks, California, they will assist with a policy review and provide recommendations.