Dog Bite Claims Homeowners Insurance

It may also be covered under a section of your policy called medical payments although this part of your policy has a low maximum usually around 5k.

Dog bite claims homeowners insurance. According to the insurance information institute more than 686 million in insurance payouts were made for dog bites in 2017. In 2019 the insurance industry paid out almost 800 million. Many homeowners insurance policies cover dog bites and other incidents. The breed of dog is a key factor when it comes to determining your homeowners insurance premium.

Homeowners insurance after dog bites insurance companies have different ways of dealing with dog bite injuries or not. Dog owners have a lot of things to worry about and having a homeowners insurance policy may buy them peace of mind. Your breed of dog may even affect your ability to file a claim in the event of a dog bite. After you submit a claim you will receive a telephone call from the insurance company s representative known as a claims adjuster be prepared for the telephone call.

The number of dog bite claims nationwide rose to 17 802 in 2019 from 17 297 in 2018 a 2 9 percent decrease according to an analysis of homeowners. Liability claims related to dog bites and other dog related injuries cost homeowners insurers 797 million in in 2019 according to the insurance information institute triple i and state farm. While your homeowners insurance will cover most dog breeds many will deny you coverage if the breed of dog you own is felt to be dangerous or has historically been categorized as dubious. Yes dog bite insurance is a regular part of your homeowners coverage.

How much will homeowners insurance pay for dog bites. In most dog bite cases a claim is filed against the dog owner s homeowners insurance policy. And these details are often influenced by the particular state with some providers provisionally agreeing to include dog bite liability in a policy or not insuring for dog bite liability at all. Each year the number of dog injury related claims is on the rise.

Dog bite or dog injury claims are one of the most common reasons property owners file a claim. Your policy s liability insurance is intended to protect you financially by covering medical expenses if someone is injured on your property. If so einhorn insurance is here to help you obtain home insurance after a dog bite claim. In most cases homeowners insurance covers dog bites and can help cut down on the long term financial impacts of your dog s actions.

However some insurance companies are more conscious about approving insurance policies for homeowners that own aggressive dogs dog bites occur quite often and there are thousands of dog related insurance liability claims filed each year.