Will House Insurance Cover Dog Bites?

June 26th, 2011 admin Leave a comment Go to comments

Homeowners insurance is meant to make losses easier on you. It will cover your losses. If there is a fire that destroys the dwelling and your belongings your insurance will make you whole again. It will rebuild your home and will replace your belongings. This is property insurance and is meant to protect your property. What do you do if your dog bites someone on your property? What if they bring a lawsuit against you? Along with the property insurance and dwelling insurance you should also carry liability insurance. This will cover the damages that someone suffers while on your property. It does include dog bites.

There are thousands if not millions of homeowners who also own dogs. When a dog misbehaves and bites someone you shouldn’t have to worry about losing everything you have worked so hard for. If you carry liability insurance your insurance will pay the medical bills associated with the dog bite. If the person decides to sue you your insurance will see to it that you get the proper representation and will also pay the damages brought on by the lawsuit.

Besides dog bites your homeowners insurance will cover injuries that someone sustains while on your property. If a child comes over and uses the swing and falls and gets injured your insurance will be there to take care of all bills associated with the injury.

Liability insurance doesn’t pay for your own injuries. It only pays for someone else to get treatment. If you are injured or someone who lives in the house is injured your liability insurance doesn’t’ cover it. It is nice to know that there is insurance in place that will pay for someone else’s injuries. You won’t have to pay for the injuries or other damages out of your pocket. Medical bills can get very expensive. It would not be difficult to end up owing for a very long time. You don’t want to risk losing everything you have worked so hard for. You don’t want to lose your home or other property because you didn’t have liability insurance in place when you needed it.

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