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Yes, you can still get homeowners insurance after your dog bites a person or another dog but your existing insurer may not be willing to cover your dog after a dog-bite claim. When it's time to renew your policy, your dog may be excluded from coverage or your insurer may choose not to renew your coverage at all.
Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to the liability limits (typically $100,000 to $300,000). If the claim exceeds the limit, the dog owner is responsible for all damages above that amount.
Tips On This Page:Seek Immediate Medical Attention.Report the Dog Bite to Local Authorities.Find Out About the Dog Owner.Check Your Local Dog Bite Laws.Collect Evidence to Support Your Claim.Know What Your Claim is Worth.Watch What You Say to the Adjuster.Emphasize You Did Nothing Wrong.More items...?
If the dog bite is severe, you have probably incurred significant damages including medical bills, lost wages, and possibly even permanent scarring. In these cases, it's usually worth pursuing legal action. If the bite was minor, you still might be able to recover compensation.
How Much is My Dog Bite Settlement Worth? While your settlement is largely dependent on the details of your case, successful plaintiffs can expect anywhere between $30,000 - $50,000 for their injuries. You can expect to recover damages such as: Medical Expenses: A medical professional should examine your injury.