Does Your Homeowners Insurance Cover Dog Bites?

Monday, January 14th, 2019 - Uncategorized

You are the proud pet owner of a dog. Spot would never hurt a fly, right? Uh, not so fast, buddy. With national homeowners liability claims ranking to one third of all submitted and totaling well above the $570 million mark, chances are you may actually be underestimating your dog’s abilities.

As any of the leading companies that deal with auto, home, commercial and life policies will tell you – anything can happen, any time so it’s wise to be prepared with the right insurance protection in advance!

Fortunately, if you own a standard homeowners plan, you’re likely to have the necessary coverage for damages inflicted by your dog. Nonetheless, there are always exceptions to the rule.

Claim Examples You’ll Want to Know About:

• A child knocked on the front door to ask his friend to come out to play. Before the door was even answered, the homeowner’s dog came bounding towards the boy and bit him. Due to the fact that another claim had already been filed in regard to injury that this dog had inflicted, the homeowner had to pay the subsequent lawsuit filed against him out of his own pockets.

• The insured gentleman could not recover funds from the insurance claim he filed in regard to his pet’s damages because his dog happened to be a Rottweiler breed. Many insurance companies provide liability coverage for dog bites, except when it applies to those inclined to violent outbursts, such as pit bulls and rottweilers.

• A dog took advantage of the free reign his owner gave him by making sport and running after a small boy. Once the child was in his reach, the dog bit him in the leg. The parents filed a lawsuit against Spot’s owner. The homeowners policy that Spot’s owner had did not cover the incident in the local playground. Why? The damages were incurred away from the property that was insured.

And here’s an exclusion you’ll really be glad to hear about.

• While seated near an open car window, a dog became annoyed when a man covered his view by passing directly in front of him. The dog lunged forward and bit the man in his right arm. The man, naturally sued the owner for damages that included pain and suffering and medical expenses. The pet owner’s homeowners coverage denied responsibility for the liability. However, the man’s car insurance picked up the tab after discussing the facts with the home insurance company.

Of course, your best course of action is to train your dog to be people friendly. Next, is to speak to an experienced independent agency that has your interest in mind to advise you if you need any additional rider to your current policy according to your individual needs.

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Does Your Homeowners Insurance Cover Dog Bites? | admin | 4.5