Does Homeowners’ Insurance Cover Dog Bites?
Most dog owners firmly believe their pup would never hurt anyone. According to the information collected by the Insurance Information Institute, out of the 90 million dogs living in the U.S., 4.5 million of them had bitten someone, and most of those victims were children. When those bites happen “within the family,” the family pays the bills. What happens if the dog bites a neighbor, visitor, or someone out on a walk?
A dog bite can be a physically painful and emotionally traumatic injury. When there is an issue with the dog owner’s negligence that contributed to the bite, you might be able to seek compensation from them by filing a claim. Would they have to pay out-of-pocket medical bills, or does homeowners’ insurance cover dog bites? That answer depends on the details of the policy and the liability issue.