Youll need to review your specific policy to be extra super-duper sure youre covered though.

Will my homeowners insurance cover dog bites. Homeowners insurance can cover dog bites because dog bites are a type of liability but it ultimately depends on exclusions in your policy. The average claim has increased 134 from 2003 to. Insurance does homeowners cover dog bites off your home and off your policy is necessary.

However if your dog bites a stranger or guest and they sue or need medical care your legal and medical expenses may be covered by the personal liability and medical payments portions of your policy. Maybe you would like to learn more about one of these. Your policys liability insurance is intended to protect you financially by covering medical expenses if someone is injured on your property.

The coverage ranges from 100000 to 300000. If the claim exceeds the limit the dog owner is responsible for all damages above the liability limit in their policy. For example say youre out at the dog park and Fang accidentally bites his doggie BFF your homeowners insurance covers any vet bills that may come back to you by way of that dogs owner.

The following factors could influence whether you have coverage. On the other hand there are insurance companies that may require a higher premium for homes with dogs that have been blacklisted. This is part of your liability coverage which protects you from lawsuits and covers damages for household mishaps.

No but it will take longer to have your policy approved. Medical coverage can be covered by people and response. Yes dog bite insurance is a regular part of your homeowners coverage.

The III notes that along with increased medical costs jury awards and settlement amounts have been on the upswing. Does your homeowners insurance cover dog bites. A common misconception is that home insurance protects you only when youre inside your home.