Does Renters Insurance Cover Dog Bites
- Curan & Ahlers
- Apr 23
- 3 min read
Updated: Aug 26
Understanding Renters Insurance and Dog Bites
Does Renters Insurance Cover Dog Bites or Attacks?
Some renters insurance policies with personal liability coverage may include protection for dog bites or attacks, but not all policies do. The exact terms vary, so it’s important to review your policy carefully to confirm whether renters insurance for dog bites is covered.
If a dog has a history of aggression or has previously bitten someone, the insurer may deny coverage altogether, leaving the dog owner personally responsible. In these situations, working with an experienced personal injury lawyer can help victims pursue compensation through other legal avenues.
Dog bite injuries can be devastating, and navigating liability is often complex. At Curan & Ahlers, we can help determine who is responsible and fight for the compensation you deserve.
Can a Dog Bite Victim Sue a Dog Owner?
According to the American Veterinary Medical Association, 4.5 million dog bites occur annually in the U.S. and over 800,000 of the victims need medical attention. Dog bite victims can sue the dog’s owner and file a dog attack insurance claim if they are injured from a dog bite or attack and the owner fails to control their dog and is found negligent.
Who is Liable for Dog Bite Injuries?
In New York, liability for dog bite injuries depends on the circumstances. To recover damages for pain and suffering or lost wages, the state’s “one-bite rule” applies. This means a lawyer must show that the dog had known vicious propensities—such as prior bites, lunging, growling, or snapping—and that the owner was aware of the aggressive behavior.
However, victims can still recover medical expenses even if the dog had no prior history of aggression, since medical costs are not restricted by the one-bite rule.
Because dog bite laws in New York are complex, working with an experienced personal injury attorney is essential to determine liability and pursue full compensation. At Curan & Ahlers, we have decades of experience handling these claims and holding negligent owners accountable.
Does Homeowners Insurance Cover Dog Bites?
Homeowners insurance usually covers dog bites under personal liability coverage. It may cover medical expenses, legal fees, and damages up to the coverage limit but checking the specific policy will detail the exact coverage. Some dog bite liability insurance may exclude specific breeds or dogs with a history of aggression.
Immediate Steps To Take After a Dog Bite
After a dog bite or attack, get medical attention and take photos of any injuries. Notify animal control about the dog and the incident. Get copies of medical records which can be used as evidence. Also, if possible, ensure your safety and take video footage of the dog because it can be used as evidence when filing a claim or in court. Gathering previous complaints from neighbors or witnesses about the dog acting aggressively or having bitten others before sometimes helps establish liability. Contact a qualified lawyer who has experience handling dog bite cases and have them review your evidence.
Filing a Renters Insurance Claim for a Dog Bite
A personal injury lawyer can help you file a renters insurance claim for a dog bite and pursue compensation if you were bitten at someone’s apartment.
Renters Insurance with Pet Coverage
Some renters' insurance covers pets but most policies don’t automatically cover bites or attacks.
What Happens If Renters Insurance Doesn’t Cover a Dog Bite?
Dog owners can be sued if their dog bites someone and they don’t have renters insurance coverage for dog bites. If you’re a renter and your policy doesn’t cover dog bites, purchase a separate dog liability insurance policy. If you’re the victim of a dog bite or attack, consult with an experienced dog bite attorney if the dog owner’s renter’s insurance doesn’t cover your injury.
Why Hire a Dog Bite Lawyer?
Hiring a dog bite lawyer can help you navigate the complexities of personal injury claims. Experienced attorneys understand liability laws, and know how to negotiate with insurance companies. They can protect your rights and pursue compensation if you’ve been attacked or bitten by a dog and are facing challenges getting your injuries and treatment covered by the dog owner's homeowner or renters insurance policy.
How to Find a Dog Bite Lawyer Near Me In White Plains, New York
If you need dog bite legal advice, our skilled attorneys at Curan & Ahlers have spent 35 years fighting for our clients rights and winning cases in New York. Call us to schedule an appointment so we can review your dog bite case.
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