Am I Covered If My Dog Bites Someone on My Property?

Dogs are cherished members of many households. Yet even the most well-trained pet can behave unpredictably, particularly when startled, stressed, or acting protectively. If your dog bites someone on your property, it’s essential to understand whether your insurance coverage can offer financial protection.

Liability Coverage and Dog Bites

Homeowners insurance policies typically include personal liability coverage, which may help cover medical expenses, legal fees, or settlement costs if your dog injures someone. However, coverage depends on the specific circumstances surrounding the injury and your policy’s limits.

Some insurers may exclude certain breeds or impose restrictions based on your dog’s history. For instance, if your dog has previously bitten someone or is considered “high-risk,” coverage could be limited or denied. Reviewing your policy to clarify what’s included is crucial.

Dog Bites and Renters Insurance

For tenants, renters insurance can provide liability protection comparable to that of homeowners policies, subject to the policy’s terms and conditions. It’s important to understand that a landlord’s property insurance generally does not cover a tenant’s personal liability. As a result, without adequate liability coverage, you could be held personally responsible if your dog injures someone.

Preventive Measures

To help mitigate risk, consider implementing preventive measures such as obedience training, secure fencing, and visible signage. If your dog tends to be anxious around visitors, creating a safe, separate space during gatherings may reduce the likelihood of an incident. Keeping records of these precautions may prove beneficial in the event of a claim.

In addition, you may wish to evaluate the benefits of umbrella insurance, which can provide extra liability coverage beyond the limits of your primary policy.

Contact Us Today

A dog bite on your property can result in unexpected legal and financial challenges. While homeowners or renters insurance may offer coverage, it’s not guaranteed. The team at Universal Insurance Services can review your coverage, helping you evaluate your options and strengthen your preparedness for unforeseen events. Contact us today.

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.