Dog Bites and Homeowners Insurance Coverage

Owning a dog may affect your homeowners insurance policy. This is due to the dramatic rise in the value of dog bite claims over the last ten years. According to Insurance Information Institute figures, almost $490 million were paid for dog bite claims in 2012. This figure accounts for over a third of all homeowner insurance liability claims made in that year.

In most cases, simply owning a canine will not increase the cost of your homeowners insurance policy. However, if your pet bites someone on your property, your premiums will more than likely rise. Your insurer may even choose to eliminate dog bite injuries from your coverage altogether.

You can also be denied insurance coverage if your canine pertains to a "high risk" category, such as a Rottweiler or Pit Bull, even if your pet has never been involved in a dog bite incident. If you own a dog, it’s best to discuss coverage options with your insurer in advance to be fully aware of the protection you are acquiring. In this way, you’ll be better prepared for any eventuality. 

Learn more about dog bite and homeowners insurance coverage in Northern California by contacting Wraith, Scarlett & Randolph.