By Catherine Powell
Image courtesy Pixabay
Being a dog owner myself, I’m always ready to field questions about whether a dog bite is a covered claim on homeowner’s insurance. Face it, any dog can bite, whether it’s a pit bull or a chihuahua. If a dog feels its territory has been violated or if it senses fear or aggression on the part of a stranger, there’s always the potential for a bite to occur. Depending on the severity of the attack and the breed of dog involved, a dog bite can come back to bite the owner if the victim decides to take the matter to court. While it’s true that the personal liability and medical coverage contained in your homeowner’s policy can potentially pay for medical and legal expenses were your dog to bite someone, the fact is not all dog bites are a covered claim. The only way to know whether you’re covered is to either read your homeowner’s policy carefully or talk to your agent to find out for sure. The four factors to be most concerned with are coverage, limits, location, and exclusions.