Dog bites are more common than many people realize. According to the American Veterinary Medical Association (AVMA), approximately 4.5 million dog bites occur in the U.S. each year. Of these, nearly 800,000 require medical attention, with children being the most frequent victims. As a renter, you may wonder whether your insurance will cover the financial liability if your dog bites someone. Understanding how renters insurance works when it comes to dog bites can help you prepare and protect yourself.

Does Renters Insurance Cover Dog Bites?

Yes, renters insurance typically covers dog bites under its liability coverage. If your dog bites someone, your renters insurance can help pay for the medical expenses, legal fees, and even settlements or judgments if you are sued. The policy’s liability coverage is designed to protect you in situations where someone is injured on your property or by your actions, and this extends to injuries caused by your pets.

However, it’s important to understand that each policy has limits. Your coverage will have a maximum payout, which varies depending on the plan. If the costs of the injury exceed this limit, you may be personally responsible for the remaining expenses. Many renters insurance policies offer liability coverage starting at $100,000, though higher limits are available.

Does Renters Insurance Cover Dog Bites for Restricted Dog Breeds?

Some renters insurance policies exclude coverage for certain dog breeds that are considered high-risk. These breeds, often referred to as "restricted breeds," may include dogs such as pit bulls, rottweilers, and Dobermans. The reason for these restrictions is that these breeds have been involved in a higher number of severe bite cases, making them a greater risk for insurance companies. If you own a restricted breed, your renters insurance may not cover any injuries caused by your dog, regardless of its history or temperament.

To find out if your renters insurance covers your dog, check your policy or speak with your insurance agent. Some insurance companies offer additional coverage or separate policies for restricted breeds, while others may outright deny coverage for those breeds. It’s essential to know your policy’s details to avoid gaps in your protection.

How to File an Insurance Claim for a Dog Bite

If your dog bites someone, you’ll need to file a claim with your renters insurance company as soon as possible. Here are the steps to take:

1. Seek Immediate Medical Attention: Ensure the injured party receives medical care. Their well-being is the top priority, and medical records will also be important for your claim.
2. Report the Incident to Your Insurance Provider: Contact your renters insurance company and inform them of the dog bite. Provide all necessary details, including the injured party’s information, the circumstances of the bite, and any medical treatment received.
3. Submit Documentation: Gather and submit all relevant documents, such as medical bills, witness statements, and any communications related to the incident. The more documentation you provide, the smoother the claims process will be.
4. Cooperate with Your Insurer: Your insurance company may ask for additional information or conduct an investigation. Cooperate fully to ensure the claim is processed without delays.
5. Follow Up on the Claim: Stay in contact with your insurance agent to track the progress of your claim and address any concerns or questions.

Tackle Your Dog Owner Responsibilities Confidently with Us

Owning a dog comes with responsibility, and ensuring you have the proper renters insurance coverage is key to protecting yourself from potential liabilities. If you’re unsure whether your current policy covers dog bites or if you own a restricted breed, contact us at Jack Stone Insurance Agency today to review your renters insurance and explore options that suit your needs. Call us at (925) 392-8365 to get started.