Dog and Animal Bites
In most instances, an animal owner's homeowner's insurance policy will cover liability arising from dog bites (and injuries caused by other common household pets) that occur on the owner's property. According to the Insurance Information Institute, there were about 16,500 homeowners insurance claims involving dog bites in 2012, averaging $30,000 per claim. Since this figure only covers dog bites, the total would likely be much higher if other animals were included, such as cats, horses, and reptiles.
The average amount of liability coverage in homeowner's policies is between $100,000 and $300,000. However, insurance companies will generally only cover the first incident in which an animal causes injury, because many homeowners' policies include language that excludes any subsequent claims related to dog bites or other animal-related injuries. There are also certain insurance companies that refuse to cover specific breeds of dogs, such as Pit Bulls or Rottweilers.
If you or someone you know has been injured by a dog or animal bite or attack in New York City, New York State, or in New Jersey contact us for a free case evaluation.