When Man’s Best Friend Causes an Injury

Dogs can be cute, cuddly and wonderful companions, but they can also expose owners to risk if they injure someone. They can bite, scratch or nip people, children or other animals while playing or fighting. If you own a home and a dog, you may think that these injuries can be covered by your homeowner’s policy, but some policies may not pay unless you have specific dog bite homeowners insurance.

Regular Homeowner Policy Exclusions

Some homeowners policies may have clauses that specifically exclude coverage for dog bites. Other policies may only exclude coverage for certain breeds of dogs that can be considered dangerous or that have a history of aggression. Here are some breeds that can commonly be excluded on most homeowners insurance policies.

  • Presa Canario
  • Chow
  • Rottweiler
  • Doberman Pinscher
  • Pit Bull
  • Akita
  • German Shepard

Insurance companies that deny coverage for these breeds may believe that the history of the breed is such that they have a high likelihood of showing aggression that can lead to serious injury or death. Companies can exclude both purebred and mixed breed dogs of this type. They can also refuse to sell you a homeowners policy if they find out that you own one of these breeds.

Dog Bite Coverage

Even if your dog’s breed is excluded by your insurance company, you may be able to find dog bite homeowners insurance that will cover any dog regardless of the breed. This coverage can cover injuries that your dog may cause as well as any damage to other people’s property.