With National Dog Day coming up on August 26th, it’s a good time to talk about something a lot of pet owners never think about until it’s too late: what happens if your dog bites someone. It’s not a fun topic, but it’s an important one, and understanding how homeowners liability applies can save you a major headache down the road.
Why This Matters More Than You Might Think
Dog bite claims are one of the most common types of homeowners liability claims filed each year, and the costs can add up quickly between medical expenses and potential legal fees. Most standard homeowners and renters policies include liability coverage that can respond to a dog bite claim, but there are important exceptions every owner should understand.
Breed and History Considerations
- Some insurers restrict or exclude certain breeds from liability coverage entirely
- A dog with a prior bite history may affect your eligibility or premium
- Some carriers require a signed liability waiver or additional documentation for certain breeds
- Rules vary significantly by insurance company, so it’s worth confirming your specific policy’s stance
Steps to Protect Yourself and Others
Secure fencing, proper training, and being mindful of your dog’s temperament around unfamiliar people are the best first line of defense. If your dog has any history of aggression, it’s worth being proactive — both for the safety of your neighbors and to keep your insurance situation in good standing. Always disclose any known bite history to your insurer; nondisclosure can jeopardize a future claim.
When an Umbrella Policy Makes Sense
If a dog bite results in a lawsuit, damages can sometimes exceed the liability limits on a standard homeowners policy. An umbrella policy adds an extra layer of protection above those limits, which can offer real peace of mind for dog owners, particularly larger breeds or households with frequent visitors, like during backyard gatherings or trick-or-treating season.
The Bottom Line
Being a responsible pet owner isn’t just about training and vet visits. It’s also about making sure your insurance reflects the realities of dog ownership. If you’re not sure how your current policy handles this, it’s worth a quick conversation with your agent before, not after, an incident happens.
Give us a call at John Scott Insurance Agency if you have any questions about your homeowners policy and coverages, need to update your policy, or would like a quote on a new policy. Our team of experts is here to help you!