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Rathbun Insurance Blog

All You Ever Wanted to Know About Insurance

Dog Bites… am I covered?

When we considered adding Milo and Ash as our family pets, the thought of them potentially biting or injuring someone did not cross our minds. We couldn’t wait to snuggle them and watch them

Kim Evans family dogs, Milo and Ash

flourish as new members of our family. While we have not had any incidents, others across America have not been so lucky.

“Dog bites and other dog-related injuries accounted for more than one-third of all homeowners liability claim dollars paid out in 2021, costing $881 million, according to the Insurance Information Institute (Triple-I)”. Because no one plans for their dog to bite or injure someone, this unexpected expense can leave you feeling apologetic and financially liable.

Homeowner’s Insurance Policy

Personal liability coverage and medical payments coverage on your homeowner’s insurance policy may pay for injuries, legal expenses, and hospital bills if a dog you're responsible for bites someone. Not all carriers cover dog bites. Whether or not you're covered depends on several factors, such as your insurance company, policy coverage, location, and dog breed.

Umbrella Policy

A standard homeowners insurance policy includes anywhere from $100,000 to $500,000 of personal liability coverage. If you don't think that's enough, you can supplement the amount of coverage with a separate umbrella insurance policy. An umbrella policy is always a great idea for dog owners as a method to protect their assets if their liability amount exceeds the limits of their homeowner’s insurance policy.

Take steps to protect yourself today:

Even the most dangerous dogs fall victim to human shortcomings, such as lack of training, irresponsible ownership, and breeding methods that foster viciousness.  Some ways to keep you and your loved ones safe, is to teach kids the basics of dog safety, keep dog leashed in public spaces, and seek behavioral training and responsible pet ownership education.

Call your Rathbun account manager today at 517.482.1316 to discuss your homeowner’s policy today and ensure you are covered.