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What if My Dog Bites Someone, Will My Homeowner Policy Help?

Fort Worth Homeowner Insurance, Fort Worth Auto Insurance, Fort Worth Car Insurance,Fort Worth Life Insurance,fort Worth Business Insurance, Fort Worth Commercial insurance
4528 W. Vickery Blvd Ste 100
P.O. Box:
Fort Worth
TX
76107
USA
Fort Worth Homeowner Insurance, Fort Worth Auto Insurance, Fort Worth Car Insurance,Fort Worth Life Insurance,fort Worth Business Insurance, Fort Worth Commercial insurance
4528 W. Vickery Blvd Ste 100
P.O. Box:
Fort Worth
TX
76107
USA

Let’s discuss your dog biting someone.

Does your dog biting someone get covered by your Homeowners Policy?

Dog bites can be simple or dangerous. Dogs can do some very severe damage. Over 4 million people are bittenĀ ever year.

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So if your dog bites someone will your be covered by homeowners insurance? Well it depends…

In general you need to start with the exclusions of your policy.

Review your policy or call your insurance agent. If your dog biting someone is not excluded it may be covered. But, you may also need to look to see if your breed of dog is excluded, or if your dog is excluded due to past history.

Even if your dog is not on the excluded list, nor exempt due to a history of bites. This question is more law related than insurance related. So, you need to review your policy, talk to your agent, and perhaps your attorney to be truly clear on this coverage question.

As far as breed exclusions go, your insurance company writes their own policy and chooses based on all their policyholders not just your dog. Some people suggest that you not disclose your dog or breed to the insurance company, and that they may still pay they claim.

I would not agree with that advice. I dont think that is good advice. They certainly will take that into account when claim time comes. Not only do you run the risk of they claim being denied, but also your policy would likely be looking at a “non-renewal”.

Its always important you discuss all pets and other risks you have with your insurance agent. Not all companies regard dogs the same way. Ours have no issues with any breeds, but rather not have polices with homes with a dog bite history.

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What if My Dog Bites Someone, Will My Homeowner Policy Help?
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What if My Dog Bites Someone, Will My Homeowner Policy Help?
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What will my homeowner policy cover if my dog bites someone? Am I covered?
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