Your Homeowner's Insurance May Cover If Your Dog Bites Someone

If you're a dog owner, hopefully you'll never have to deal with your beloved pet biting someone, either accidentally or because that person agitated them. However, if you do and you have to deal with the aftermath, you may have an ally in your homeowner's insurance company. They'll probably cover the whole affair.

There are caveats, of course—the bite has to take place on your property (which, according to Consumer Reports, over half of all dog bites do), certain dog breeds may be excluded from coverage, and if your homeowner's policy does cover the affair, your premiums may rise or your dog may be excluded from future coverage. Here's how they explain it:



Of course, the best way to make sure everyone's happy is to prevent dog bites in the first place, so make sure your pet is properly trained and socialized so they don't bite anyone, and keep them under supervision so if someone else like a neighbor or a friend starts teasing your pet, you can call the person off before they get themselves hurt. Either way, it's good to know there's someone to turn to in case something bad does happen.

Homeowners Insurance Probably Protects You If Your Dog Bites Someone | Consumer Reports

Photo by Jason Hunken.