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How do you find the homeowners insurance carrier for someone whose animal injured you?


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Wiki User
2015-06-05 18:27:24
2015-06-05 18:27:24

The easiest way is just to ask them. Bear in mind though that most homeowners insurance policies now exclude coverage for damage and injuries from pets. Fortunately though our mandated ACA compliant health care policy will cover the associated cost and it has no limit and it does not matter how or where the injury occurred.

Some homeowners purchase property coverage but do not purchase liability coverage, So there may or may not be coverage for your injury under the homeowners insurance policy. You will have to start a lawsuit and when you do (providing you were bitten by their animal or injured some other way) the lawyer or judge will find out the insurance information during something called disclosure and discovery. In the discovery process your attorney will learn if they have a homeowners insurance policy, if that policy has liability coverage and if the policy provides liability coverage for owned pets.

If they do have and the policy has liability coverage and pet injuries are covered under the policy then you may receive a judgement.

It would be much easier to just ask them first rather than have to sue first. Also bear in mind that an ACA compliant health insurance policy already covers such injuries.

Related Questions

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When you own a home you are libl for nything that happens on your property. Homeowners liability insurance covers you in the event someone i injured on your property. Homeowner's liability insurance covers the homeowner in the event that someone gets injured while on their property. It covers medical bills and other expenses for guests if something happens to them while at your home.

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No, Homeowners insurance is not a replacement for medical insurance.

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Yes. If it is a home and it is owned by someone, then it is covered by homeowners' insurance, regardless of who that someone is.

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No. The injured party cannot be a household member. It does not matter if they are not listed on the policy.

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This will depend on the policy you have, and who the pet belongs to. In general, if it is your own pet that is injured, no. If the pet belongs to someone else, and is injured due to negligence of the insured person, it may.


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