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It just depends on the type of policy, the policy limits and whether or not the policy has coverage for a dog attack.

Most companies in the USA automatically exclude coverage for damage and injuries resulting from our choice of pets. In this case the home insurance policy would pay nothing at all.

If the homeowners insurance policy does provide coverage for pet related injuries and damages then they would pay up to the policy liability limits chosen by the homeowner at the time they purchased the policy.

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Q: How much does home owners insurance pay for when their dog knocks you down and you need extensive oral care?
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