What Kind of Insurance Covers Dog Bites?

Published on: 10/10/23 — In 

Dog bite insurance is a type of liability insurance. It covers damages caused by dog-related injuries and bites. It provides financial protection if someone is injured by a policyholder's dog.

Depending on the policy, it may cover medical attention costs, legal fees, property damage, lost wages, and other expenses. If you are a dog bite victim contact Ktenas Injury Attorneys' skilled dog bite lawyer today for more information.

Types of Insurance Coverage for Dog Bites

Dog bites can be traumatic and expensive. Pet owners should know their insurance coverage for dog bites. Medical payments coverage which comes as part of your homeowners policies or renters insurance policy may cover dog bite incidents on or off the property depending on the insurance carrier. This includes medical costs and legal fees.

Chris Ktenas, Chicago dog bite lawyer, sitting at his desk

Umbrella policies provide extra protection for events like dog bites. Some owners choose specialized dog bite insurance coverage with higher coverage and lower rates even for dogs with a bite history. Research multiple companies and be aware of breed exclusions.

Homeowners Insurance Policies

Homeowners' insurance covers dog bites on the property, including medical bills and property damage.

What Does Homeowner’s Insurance Cover?

Homeowner's insurance is crucial for protecting your family and assets in case of a disaster. It's important to understand what your policy covers to ensure you have the right protection. Typically, homeowner's insurance covers fire, lightning, hail, explosions, windstorms, and theft.

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It also provides coverage for water leaks, plumbing issues, and medical bills from injuries on your property. Additionally, it may include liability protection for dog bites and other pet-related injuries.

Standard Exclusions for Dog Bites

Most home insurance policies don't cover dog bites. Insurance companies see dogs as a liability risk and usually exclude coverage for pet-related injuries. Exclusions for dog bites can vary but often include injuries or property damage from a pet's bite or scratch.

a dog getting ready to bite someone

Some homeowners can buy extra coverage for dog bites. Pet owners should talk to their homeowner's insurance provider or insurance agent about their options.

How Much Does Homeowner’s Insurance Cost?

Homeowner's insurance protects your property and possessions. It covers damages from fire, wind, hail, vandalism, theft, and other covered events. It also helps with medical expenses for injuries on your property. It provides liability protection for dog bites and pet-related injuries.

The cost depends on coverage, location, and age of your home. The average cost of a standard policy can range from $500 to $1,000 per year.

What Are the Limits of Coverage for Dog Bites Under Homeowner’s Insurance?

Homeowners' insurance covers dog bites, but the coverage limits can vary. A homeowner's insurance policy usually covers dog bites up until the liability limit stated in the policy. This means that if you're sued for dog bite damages, your insurance pays up until the provided liability coverage.

Did You Know: In Illinois there is now a bill requiring reporting for dog-related insurance claims

You can sometimes purchase additional coverage for dog bites. An umbrella policy provides extended liability protection and may cover legal costs which can run into thousands of dollars in a lawsuit.

Umbrella Policy Coverage

An umbrella policy is a type of insurance coverage that can provide additional liability protection for dog bite claims and other liability risks. This type of insurance helps to protect an individual from the financial consequences of a large lawsuit or claim for damages due to a dog bite or other incident.

It can provide coverage above and beyond the limits of any underlying personal liability insurance such as homeowners or auto insurance policies.

What is an Umbrella Policy?

An umbrella policy provides extra insurance coverage beyond your existing liability policies. It protects you from large claims and lawsuits by offering financial coverage. This policy can cover legal defense costs, settlements, judgments, medical bills, and damages that go beyond what your current liability policies cover.

a sign that says "insurance policy" with an umbrella above it

In terms of dog bite injury claims, an umbrella policy gives you additional coverage and peace of mind on top of your homeowner's insurance. It ensures financial protection if you are sued due to a dog bite or another pet-related incident.

What Does an Umbrella Policy Cover Regarding Dog Bites?

Umbrella policies offer extra liability coverage on top of your existing insurance policies. This includes coverage for damage caused by your dog, like dog bites. It covers all medical costs for the person bitten and the dog owner. It also covers legal costs and other damages awarded by a court. The coverage limits vary, but most provide at least $1 million in liability protection.

How Much Does an Umbrella Policy Cost?

An umbrella policy offers additional liability insurance coverage that goes beyond the limits of your existing policies, such as auto or homeowners insurance. This policy provides extra protection against expensive lawsuits and damages that may exceed the limits of your existing policies.

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The cost of an umbrella policy depends on factors such as the coverage amount, deductible size, and potential discounts. Generally, umbrella policies begin at approximately $150 per year for $1 million in added coverage.

What Are the Limits of Coverage for Dog Bites Through an Umbrella Policy?

Umbrella insurance policies give extra liability coverage for specific incidents not covered by standard homeowners or auto policies. They cover more than just large lawsuits, including incidents like dog bites.

However, there are limitations on coverage for dog bites. Usually, the policy only covers incidents where the insured party is legally responsible. So, if someone else was caring for your dog when the bite happened, like a friend or neighbor, the policy won't cover it. Also, any damages awarded to the injured party must be within the coverage limits of your policy.

Personal Liability Coverage

Personal Liability Coverage is insurance that covers bodily injury and property damage caused by an individual or family member to another person. It can help if you own a pet and want protection from legal fees if your pet causes an injury, like a dog bite.

a dog walking out in an open field

In the vent of this type of claim, this coverage pays for medical bills, court costs, and damages awarded to the injured party. It's usually included in homeowners' or renters' insurance policies and can provide extra protection if you have an umbrella policy that covers dog bites.

What is Personal Liability Coverage?

Personal liability coverage is insurance that protects you financially if you are responsible for damages. It covers medical expenses, property damage, and lawsuit costs. It includes coverage for dog bites and legal expenses if you have an aggressive pet such as a Pit Bull, Staffordshire terrier, Chow Chow, or Siberian Huskie. This coverage is typically included in homeowners and renters insurance, but can also be obtained through an umbrella policy.

How Does Personal Liability Coverage Work Regarding Dog Bites?

Dog bites are a frequent insurance claim. This coverage prevents policyholders from being legally responsible for damages caused by their pets. It covers medical bills, court costs, and related expenses. But it doesn't protect against trespassing or provocation. Damages awarded must also be within policy limits for payment.

Call Ktenas Injury Attorneys Today

If you or a loved one has been bitten by a dog, it is crucial to contact a skilled attorney. Ktenas Injury Attorneys has experience and knowledge in handling dog bite cases and can assist you throughout the process. We acknowledge the traumatic nature of these incidents and the challenges they pose.

Our team of experienced attorneys will strive to secure the compensation you are entitled to. Reach out to us today for a complimentary consultation.