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Does Homeowners Insurance Cover Dog Bites?

Being attacked by a dog can be terrifying and leave you with significant physical and emotional injuries. Whether the attack occurred on your property or someone else’s, you might be wondering whether any homeowners insurance policies will cover your damages.

The good news is that the vast majority of homeowners insurance policies do pay out on dog bite claims. However, the details of each policy will explain this information is greater detail, which is why homeowners insurance and dog bite claims can be quite confusing.

Continue reading to learn more about what happens when a dog bites you, what happens when you are the dog’s owner, and how homeowners insurance can come into play.

Strict Liability for Dog Bites in California

California is a strict liability state when it comes to dog bites. This means that it doesn’t matter whether the dog has a predisposition for aggression, nor whether it has bitten before; the dog’s owner is responsible for compensating the victims of their dog’s attack.

It’s worth noting that strict liability laws don’t apply in cases where a dog bit someone who was trespassing on the dog owner’s property, or in cases where the dog was provoked into aggressive behavior.

When Homeowners Insurance Will Pay

In most cases, your homeowners insurance policy will cover your dog bite injuries. The policy can provide compensation for lost wages, emotional distress and medical expenses, to name a few. It is of utmost importance that you carefully read through your policy, as it has become increasingly common for homeowners insurance to be non-inclusive when it comes to dog breeds.

Some of the different breeds that are often not covered by homeowners insurance include pitbulls, bulldogs, terriers, and rottweilers.

Currently, it is legal for insurance companies to exclude certain breeds of dog, which is why having your policy reviewed by your attorney is in your best interest. Being dishonest about the breed of dog you have when purchasing a policy can result in your policy being listed as null and void.

Speak with a Qualified Riverside Dog Bite Lawyer

If you were involved in a dog attack, whether you are the dog’s owner or a victim of the attack, you might find that you need powerful legal representation. Get in touch with a highly trained Riverside dog bite lawyer at Dickson Kohan & Bablove LLP as soon as possible.

Schedule your complimentary consultation today by giving our office a call at 1-844-404-2400 or by completing the brief contact form below.