Does homeowners insurance cover dog bites?


A question asked by many homeowners, especially those that own dogs; will a home insurance policy cover dog bites?

Dog Bite

Your insurance agent should have asked you at the start of your policy if you own a dog, this would help him write you a policy that covers you if something were to happen.

Some home insurance policies have coverage exclusions for dogs. This could be the case if you have certain dogs considered to be “high risk” such as a Rottweiler, German Shepard, etc. A few months ago a client asked to get a policy while owning 2 Pit Bulls, unfortunately no-one wanted to insure her.

Ultimately you will need to get in touch with your own insurance agent and find out if you’re covered.

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