Does my home insurance cover dog bites?
Is it true that if my dog bites someone, does my home insurance cover me? We tend to assume that homeowner’s insurance covers the liability that arises from a dog bite. But beware! This is not entirely correct; your homeowner’s insurance may be one of those that exclude liability for injuries caused by pets.
In other words, don’t imagine that your dog can go around biting and biting, and your insurance company will come along and pay and pay. Not at all!
Despite the fact that more than 4.5 million dog bites occur in the US each year, and a third of all homeowner’s insurance claims are for dog bites, with the average cost of a dog bite claim being around $32,000, it’s important to emphasize that not all policies cover dog bites automatically.
The first thing a pet owner should do is make sure their insurance covers damage their pet may cause.
On the other hand, there are insurance companies that offer special coverage for dog bites. But these policies are separate from typical homeowner’s insurance and must be requested separately.
The good news is that owners who have coverage for dog bite liability, their insurer will be obligated to cover legal representation costs and compensate them for losses resulting from their dog’s attack.
At Univista Insurance, you can get cheaper homeowner’s insurance. Is it true that if my dog bites someone, does my home insurance cover me?