Does Homeowners' Insurance Cover Dog Bites?

two hands hovering over paper cut outs of animals

According to the Centers for Disease Control and Prevention (CDC), 4.5 million people are bitten by dogs in the U.S. every year. Being bitten by a dog can be a painful and frightening experience. In some cases, it can also lead to financial frustration. Dog bites can cause serious injuries that require expensive medical treatment. In addition, victims of dog bites may be unable to work for a period of time, leading to lost wages. These experiences usually lead the victim to wonder how they will be able to recover damages. Some insurance policies may be able to provide protection!

Check Your Policies!

In most states, a homeowner's insurance policy will provide coverage between $100,000 and $300,000 if a person is bitten by a dog while on the property. This type of insurance is designed to protect the homeowner from liability in the event that someone is injured on their property. Typically, the coverage will pay for medical expenses and any property damage that occurred as a result of the dog bite.

In some cases, the insurance company may also provide coverage for any legal expenses incurred as a result of the incident.This type of insurance can be extremely beneficial for victims of dog bites, as it can help to cover the cost of their medical treatment and other expenses.

Suing for Damages

In the event that an insurance policy doesn't pay out (perhaps because the dog is on a restricted "aggressive breed" list that the insurance company doesn't cover), a victim may be able to file a lawsuit against the dog owner.

Sonoma County Dog Bite Attorney

Dog bites can be serious injuries that require extensive medical treatment and can leave permanent physical and emotional scars. If you or a loved one has been the victim of a dog bite, Flahavan Law Offices can help. We have substantial experience handling dog bite cases, and we will fight to get you the full compensation you are entitled to under the law.

If you have been bitten by a dog, contact us today at (707) 414-0119 or fill out a form online for a free initial consultation.