Dog Bites Impact on Insurance

Answer: The dog bites impact on insurance can very greatly depending on the insurance company and the circumstances surrounding the bite.

The first thing you should find out is if your homeowner’s insurance policy protects you from liability damages from dog bites. Dog home owner insurance has changed a lot over the years.

Recently more and more homeowner’s insurance policies are specifically exploding dog bites from the coverages. This is due to the increase of dog bite insurance claims over the years and the increase in the number of lawsuits.

With that said, I assume your homeowners insurance is covering any liability damages you might incur. Obviously insurance companies like to raise premiums for any reason.



And because of that I think this dog bites impact on insurance will result in a higher premium for you, and the worst case is your insurance company dropping you from coverage altogether.

The most important thing is to be honest and upfront with your insurance company and be proactive. I would contact them first before the victim or the victim’s insurance companies contact them.

Also I would take proactive measurements present your dog from biting people in the future. This could be restraining your dog better through building a larger fence, or by taking dog training classes. Or maybe even looking into dog liability insurance.

Good luck on dealing with your insurance company over the dog bite, and please let me know how it turns out.