Call Us Today For A Free Quote | (318) 251-1212
Bromell Agency, Inc. Providing great insurance quotes and expert advice from professionals in the industry
 

Homeowners InsuranceYou may think you have the friendliest dog in the world, but you never know what could happen. It might get startled on a walk, or it may take a disliking to a worker that comes to your home.

If your dog does bite someone, you could be liable for their medical bills or other costs. Your home insurance policy may cover you for this liability.

What's the Law On Liability for Dog Bites?

A dog's owner is responsible for any harm their dog causes, including bites. The degree of liability will depend on where the bite happened and what you could have done to stop it.

Let’s consider some specific scenarios.

Away From Your Home

If you're away from your home, you're at the most risk. A dog owner should have their dog under direct control at all times. This includes following local leash laws. Unless your dog is directly provoked and you have no chance to intervene, you will probably be responsible for any bites the pooch causes.

In Your Yard

Your dog is generally free to roam in your yard, subject to any leash and fence laws in your town. However, there's also the expectation that a deliveryman, meter reader, or some other person might have a legitimate reason to enter your yard. They do have a reasonable expectation of being able to do their job without being bitten, and you may be found liable if they are. You can reduce your liability by posting clear Beware Of Dog signs around your fence and at each gate.

In Your Home

Just as with human self-defense, a dog can bite an intruder in self-defense. You likely won’t be liable here. However, if you've invited someone in, you have a responsibility to protect them from bites.

What Insurance Covers Dog Bites?

Your home insurance policy will usually include liability coverage that will cover many dog bites. Read your policy to determine if it would apply only around your home or also when you make trips away from home. Also, be aware of possible exclusions. For example, if you were violating a leash law, there's a chance you might not be covered. Finally, you may want to make sure that your liability limits are sufficient to cover both your home and your other assets, in the event something does happen.
Posted 10:47 AM

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013


View Mobile Version
Instant Quote
Referrals
We love referrals! And thank you even more for your continued business.
Customer Service
Self policy service any time of the day, directly from our website.
Join Our Newsletter
Stay in touch with the latest events, news and offers we have.
From Our Blog

Facebook Twitter LinkedIn Google
Stay In Touch With Us Helpful Site Links Contact Us
Sign up now to receive new and updates

711 North Vienna Street
Ruston, LA 71720
Office: 318-251-1212
Fax: 318-251-3089


880 Bert Kouns Industrial Loop, St B
Shreveport, LA 71118
Office: 318-687-1222

Associations
Powered by Insurance Website Builder
Trusted Choice Trusted Choice