Does your homeowners insurance cover dog bites?

Your home insurance may pay for dog bites and the expenses that come with them in a number of situations, including the following:

If you invite a guest to your house and your dog bites them, your homeowners insurance policy may cover the incident, depending on the liability coverage included in your policy.

When your dog bites a guest

This means if you’re on a neighborhood walk or at the park and your dog bites someone, you may still be covered.

Medium Brush Stroke

When your dog bites someone away from your home

If you take your dog to your neighbor’s house and it chews up their new furniture, liability coverage may cover the damage.

When your dog damages someone else’s property

If you need to file a claim, either submit a claim online or call your insurer to begin the process. Be prepared to state personal information like your name, date of birth, and policy number.

Medium Brush Stroke

How to file a dog bite claim


Finding a financial advisor doesn’t have to be hard. SmartAsset’s free quiz matches you with fiduciary financial advisors in your area or who serve your area. If you are ready to be matched with financial advisors that can help you achieve your financial goals, take the quiz now.