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Does renters insurance offer coverage if my dog bites someone?

My dog just bit a neighbor who needed five stitches in her arm. Will I be covered by my renters insurance if my neighbor decides to sue me?

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Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no! Hopefully, your neighbor will recover quickly with no complications. You may be covered—but a lot depends upon the particulars of your policy.
Let’s review renters insurance and dog bites:
  • Even if you feel your dog was provoked, many states have laws that place all blame for dog bites on dog owners. However, if you feel there are mitigating factors, be sure to tell your insurer.
  • Some insurers do not cover certain dog breeds. While some insurers don’t make distinctions among breeds, others do. If you adopt a dog after taking out a policy, you’re responsible for reporting this fact to your insurer.
  • Assuming your dog breed is covered, your personal liability coverage should pay for your neighbor’s medical care should she sue.
The important thing at this point is to notify your insurer just in case your neighbor decides to take legal action against you. Unfortunately, if you are sued, your dog will be flagged as a liability, and your rates will likely go up.
Best wishes on dealing with this accident.
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