What insurance will cover dog bites?

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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.
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