Dog bite liability and homeowners insurance

In 2025, there were 28,450 dog bite claims nationwide, totaling aggregate damages of over $1.86 billion, according to the Insurance Information Institute.

For most homeowners (and renters), a standard policy generally covers any legal liability that may result from their dog biting or harming another individual. Typically, this coverage is designed to extend to places outside the home, but may not include what happens inside a car.

However, this coverage is not unlimited. There is a cap to liability coverage, and your policy may limit such coverage to one bite.

Canine considerations

Many insurers may either cancel the policy or add a canine exclusion after paying such a claim, which means that you will be responsible for all damages in the event of a second bite.

Some policies exclude certain dog breeds from the outset, so be sure to review your coverage to ensure that your dog is not among the excluded breeds.

Also, be aware of a business exclusion that may not pay on claims arising from a dog bite that occurs while you are conducting business in your place of residence.

Finally, it is important to let your insurer know if your dog bites someone or is declared dangerous under local law. Failure to inform them may affect liability coverage for subsequent injuries caused by your dog.

This article is for general education and is not tax, legal, or insurance advice. Please consult qualified professionals for your individual situation.