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Does My Homeowners Insurance Policy Cover Dog Bites?

April 13, 2018

1 min read

Got a “spirited” dog who likes to nip instead of lick? According to Consumer Reports, more than half of all dog bites occur on the dog owner’s property.

If you’ve got a dog, a homeowner’s insurance policy can be a smart move. Most homeowners’ policies have liability clauses.These clauses let you know if your coverage protects you if your dog bites someone else.

Can I get coverage outside the home?

A homeowners insurance policy can offer you legal and financial protection outside your home too. For example, if you’re out at the park and your dog accidentally bites his another dog, any vet bills that may come back to you by way of that dog’s owner can be covered under your homeowner’s insurance.

Good to know: It’s not just for dog-on-dog injuries. Homeowners insurance can also come to the rescue if your dog injures a person.

Are all dogs covered under a homeowners insurance policy?

Definitely check your policy. If your dog a history of biting or is categorized as “vicious,” you may run into trouble, coverage-wise.

If you’ve got a Pit Bull, Staffordshire Terrier, Doberman Pinscher, Rottweiler, German Shepherd, Chow, Great Dane, Presa Canario, Akita, Alaskan Malamute, Siberian Husky, or Wolf-hybrids, you may not be covered if your pup gets out of hand.

My pet damaged my couch. Will my insurance pay for it?

Generally speaking, any damage your pet causes to your valuables is not covered by renters or homeowners insurance. When you bring a pet into your home, you assume liability for the damage that pet may cause. This can include damage to the property as well as your own personal belongings.

In short, if your dog is sweet (but destructive), know you’ll likely be paying for the mayhem out of your own pocket.

If you’ve got a dog, renters and homeowners insurance can be a smart move.

Get Renters or Homeowners insurance

With Lemonade*, you can get a policy starting at $5 a month.

Get protected

By Lindsay Goldwert
Lindsay Goldwert is Senior Editor at Stash.

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