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If a person in your house was bitten by your dog,then he will be covered under homeowners insurance.
Dog bite liability legal costs are often covered by homeowner and renter insurance policies, up to the liability limits (typically $100,000 to $300,000). The dog owner is liable for any damages that exceed the cap if the claim does.
Some insurance providers won't cover homeowners who have specific dog breeds that are considered dangerous, including pit bulls. Others make decisions individually, depending on whether a certain dog, regardless of breed, has been labeled vicious. When writing or renewing homeowner insurance, some insurers do not inquire about the breed of the dog the policyholder owns, and they do not keep track of the breed of dogs that are engaged in dog bite events. However, a dog offers a greater risk after biting someone. In that case, the insurance provider might raise the rate, decide not to renew the homeowner's insurance, or decide not to cover the dog.
To reduce their exposure to these losses, several insurers are taking action. Some businesses demand that dog owners sign liability waivers.
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