What Every Pet Owner Needs to Know
If you own a dog, you are responsible for its behavior. In the unfortunate event that your dog bites someone, you could be held legally liable for damages. Without the right insurance coverage, you may face costly lawsuits and medical bills.
To protect yourself, it’s essential to understand dog bite liability laws and ensure you have the right homeowners or renters insurance coverage. Below, we outline important tips to prevent dog bites and reduce your liability risk.
If my dog bites someone, am I liable?
The answer depends on state and local laws, as well as the specific circumstances of the bite. In many cases, dog owners are liable for injuries their pets cause. That’s why it’s crucial to:
- Know your state’s dog bite laws – Some states have strict liability laws, meaning you are responsible for damages regardless of whether your dog has bitten before. Learn about Maine’s dog bite laws.
- Ensure your insurance policy covers dog bites – Homeowners and renters insurance policies often include dog liability coverage, but some exclude certain breeds.
Tips to Prevent Dog Bites and Reduce Liability Risks
Dog bites can be serious, especially when children are involved. Here are some expert tips to keep your dog, family, and visitors safe:
- Supervise children around dogs – Never leave young children unattended with a dog, even if it has never shown aggression.
- Be honest about your dog’s bite history – If your dog has bitten before, disclose this information if rehoming the pet to avoid legal consequences.
- Inform your insurance company about your dog – Not reporting your pet, especially its breed, could result in denied claims if a bite occurs.
- Introduce strangers carefully – If you have guests over, keep your dog at a safe distance until it becomes familiar with them.
- Use a leash or secure enclosure – Always keep your dog on a leash or in a fenced area to prevent unwanted encounters.
Does Homeowners Insurance Cover Dog Bites?
Many homeowners insurance policies include liability coverage for dog bites, but some exclude specific breeds or require additional endorsements. If you’re unsure about your coverage, contact your insurance agent to review your policy.
Protect Yourself with the Right Insurance Coverage
Dog bites can lead to expensive medical bills and legal claims. Ensuring you have the right liability insurance for dog owners can provide peace of mind.
➡️ Need to check your coverage? Contact us today to discuss your homeowners or renters insurance policy and make sure you’re fully protected.