Dogs are beloved members of the family in many households, but they can also pose a risk to others if they bite or attack. According to the American Veterinary Medical Association, about 4.5 million people suffer from dog bites each year in the United States.
In these situations, both renters and homeowners may wonder how their insurance policies cover any damages or injuries caused by their pets.
Renters insurance coverage
Renters insurance typically provides liability coverage for property damage or bodily injury caused by the policyholder, including their pets. However, limits might exist on the scope, or the policy may not cover dog bites. For example, some insurance policies may exclude coverage for certain dog breeds, such as huskies, pit bulls or Rottweilers.
Some renters insurance companies may require the policyholder to purchase additional coverage for dog bites. Renters must review their insurance policy terms to understand the specific coverage provided for their pets.
Homeowners insurance protections
Similar to renters insurance, homeowners insurance typically includes liability coverage for bodily injury or property damage caused by the person’s pets. Some insurance companies might not cover certain dog breeds or have limits on the amount of coverage provided for dog bites.
Overall, both renters and homeowners insurance companies typically offer some coverage for dog bites, but the specifics of the policy may vary. Pet owners and dog parents need to review their insurance options before selecting a policy to ensure they will have coverage. Most importantly, responsible pet ownership can help prevent dog bites and reduce the risk of injuries or damage to others.
