Does homeowners insurance cover dog bites?

Your dog isn’t just a pet. They’re part of the family. Yet even the best-behaved dog can have an unexpected moment—a nip, a scratch, or a knockdown—that leads to injuries, medical bills, or even a lawsuit.

That’s where homeowners insurance can help. Understanding how the liability portion of your coverage works can give you peace of mind that your policy may provide protection when you need it.

Does homeowners insurance cover dog bites to people?

In many cases, the liability portion of your homeowners insurance policy may help cover medical bills and legal expenses if your dog bites or injures someone—no matter if it happens while you’re at home or out for a walk.

A couple of important reminders:

• Coverage depends on your policy and the situation.
• Your liability limit matters. If the cost of a claim is higher than your limit, you may be responsible for paying the amount above it.

Does homeowners insurance cover dog bites to other dogs?

Sometimes dog-related incidents involve another pet. If your dog bites or injures another dog, your homeowners policy may help to cover vet bills and legal costs if the other dog’s owner makes a claim or sues you. Details vary, so review your policy limits and exclusions with your insurance agent.

How much will homeowners insurance pay for dog bites?

Liability coverage through your homeowners insurance may pay damages from dog-related injuries up to your policy’s liability limits. Costs for medical expenses and legal fees above that limit would typically be your responsibility.

How much dog bite liability coverage should you have?

Medical bills and legal expenses for severe canine-caused injuries can add up quickly and exceed typical liability limits. If you want additional protection and peace of mind, ask your agent about options such as:

• Increasing your homeowners liability limit
• Adding personal liability umbrella insurance, which can provide an extra layer of coverage above your primary policy limits

Breed restrictions

Some dog breeds may be considered higher risk. Depending on your insurer and your state, owning those breeds could mean:

• higher premiums
• coverage limitations
• eligibility restrictions

Your insurance agent can help you understand what applies to your policy.

Dog bite history

If your dog has bitten someone before, your homeowners policy could be impacted. For example, you may have to pay higher premiums or have different coverage limitations. If this applies to you, connect with your agent as soon as possible to discuss your options.

Protect your home—get a quote

If you have a dog or plan to get one soon, an American Family Insurance agent can help you review your homeowners insurance and liability limits to help make sure you have the protection and peace of mind you need.

This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.