What insurance will cover dog bites?

Answer 1

I am a licensed insurance agent; licensed in 45 states for 16 years. I sell animal liability insurance and have extensive insurance experience.

First, a dog bite will never be covered if you buy insurance AFTER the bite has occurred.

Second, you should always have a renter's insurance policy or homeowner's insurance policy, regardless of whether or not you own a dog. If your dog has no prior bite history, you will probably have coverage for a dog bite in the future. But you should always read your policy to be certain that coverage for animals or coverage for certain breeds of dog are not excluded.

Third, if your dog cannot be covered by your renter's insurance or homeowner's insurance; you can always buy animal liability insurance to cover such unfortunate events.

Answer 2

It depends on what your insurance policy covers (they vary). Homeowners insurance usually covers most dog bite injuries. If in doubt, contact your insurance agent.

In some states, the owner isn't held liable for the first bite the dog inflicts.

Answer 3

Dog insurance can cover almost everything from injuries to dogs, to accidents that can cause injuries, and even veterinary visits. It usually covers the majority of the costs and there is a copay just like health insurance.

Answer 4

Home owners It depends on the state you live in. I live in California where State Farm is the only company that will give home owner's insurance if you own a pit bull.