Will homeowners insurance cover an injury caused by my pets? 58 Answers as of May 28, 2013

My 2 house dogs ran out front door to use the restroom after work last night and was jumping and playing in front of my house in the street and caused a man to fall. Will my homeowners policy cover his injury?

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The Lucky Law Firm, PLC
The Lucky Law Firm, PLC | Robert Morrison Lucky
Typically, homeowners insurance will cover injuries caused by your animal. However, you should contact your agent or your insurance company to determine whether the injuries will be covered.
Answer Applies to: Louisiana
Replied: 11/5/2012
David F. Stoddard
David F. Stoddard | David F. Stoddard
Probably, but it depends on the policy language and exclusions.
Answer Applies to: South Carolina
Replied: 8/17/2012
Lapin Law Offices
Lapin Law Offices | Jeffrey Lapin
I cannot provide a definite answer to your question without reading your homeowners insurance policy. Each insurance company has it own basic insurance policy. In addition, insurance companies offer different "coverages," some of which are included in all policies and others that you have to request. Many policies would cover the man's injuries in the situation you describe. I would request a copy of the policy to read for yourself if you do not already have one. You should report the incident to the claims department of your insurance company if you have not already done so. The first thing the insurance company is likely to do is determine whether your policy covers the incident. One reason this may be an issue is that the incident did not occur on your property. If the incident is covered, your insurance company will handle the claim with the injured man and you would have little to no further involvement. If your insurance company denies coverage, you may want to consult with an attorney to determine whether there should be coverage. Insurance companies do not always get coverage decisions correct.
Answer Applies to: Nebraska
Replied: 8/17/2012
Broad Law Firm, LLC
Broad Law Firm, LLC | Donald K. Broad
Without actually looking at a copy of your policy, it is impossible to state for certain whether there is coverage or not. However, typically, homeowner's policies do cover injuries caused by pets. You should notify your insurance agent (or company directly if no agent is involved) of the incident as soon as possible so the insurance company can begin an investigation.
Answer Applies to: Indiana
Replied: 8/17/2012
James M. Osak, P.C.
James M. Osak, P.C. | James M. Osak
They should. Check the policy or call your agent.
Answer Applies to: Michigan
Replied: 8/17/2012
    The Phillips Law Firm
    The Phillips Law Firm | Joseph J Ganz
    It will always depend on the language of the insurance policy but generally speaking it will cover such events.
    Answer Applies to: Washington
    Replied: 8/17/2012
    David Hoines Law
    David Hoines Law | David Hoines
    Probably, unless exclusion for dogs
    Answer Applies to: Florida
    Replied: 8/17/2012
    R. D. Kelly Law Firm, P.L.L.C.
    R. D. Kelly Law Firm, P.L.L.C. | Robert Kelly
    Insurance is a contract between you and the insurance company. The answer to your question lies within the words of the policy.
    Answer Applies to: Washington
    Replied: 8/17/2012
    Mike Yeksavich | Mike Yeksavich
    It is quite possible your homeowners will cover this.
    Answer Applies to: Oklahoma
    Replied: 8/17/2012
    Durkin & Graham, P.C.
    Durkin & Graham, P.C. | Joan Durkin
    Maybe. Most homeowners policies have a med pay provision that pays $1000 if somebody gets hurt on your property - regardless of fault. It is not clear if this man was on your property. If you knowingly allowed your dogs off leash, off your property than you would be "negligent" and that is when your policy would pay - assuming he actually got hurt. They will need to investigate and see if this was an aggressive attack, etc.. and that may impact whether they decide to cancel your policy.
    Answer Applies to: Texas
    Replied: 8/17/2012
    Musilli Brennan Associates PLLC
    Musilli Brennan Associates PLLC | John F Brennan
    Generally yes, if you have general liability coverage.
    Answer Applies to: Michigan
    Replied: 8/17/2012
    Buchholdt Law Offices | Jon M. Buchholdt
    Probably. Call your agent.
    Answer Applies to: Alaska
    Replied: 8/17/2012
    Law Office of William L Spern | William Spern
    Yes. This is why you have insurance. Contact your carrier and let them know of the details.
    Answer Applies to: Michigan
    Replied: 8/17/2012
    Law Offices of Tom Patton
    Law Offices of Tom Patton | Thomas C. Patton
    Yes, it should if you are held liable, which may or may not be the case. But if you report it to your insurance company, or provide your insurance information to the man who fell, they will take care of it one way or another.
    Answer Applies to: Oregon
    Replied: 8/17/2012
    Slotnick & Schwartz
    Slotnick & Schwartz | Leonard T. Schwartz
    Homeowners should cover the injury unless there is a specific exclusion which is not usually the case.
    Answer Applies to: New Jersey
    Replied: 8/17/2012
    Hynum Law Office, LLC
    Hynum Law Office, LLC | G. Wayne Hynum
    It depends on your insurance policy, but most Homeowner's Policies do provide liability coverage for that type of injury.
    Answer Applies to: Mississippi
    Replied: 8/17/2012
    Lombardi Law Firm
    Lombardi Law Firm | Steve Lombardi
    Your homeowners policy should cover the mishap; just call your insurance agent right away to put them on notice.
    Answer Applies to: Iowa
    Replied: 8/17/2012
    DEAN T. JENNINGS, P.C.
    DEAN T. JENNINGS, P.C. | Dean T Jennings
    If there is a provision for liability for injuries on your property, it might. Review your coverage with a claims adjuster from you insurance company, that is notify them of a potential claim so they can determine if you are covered. Don't bother talking to your sales agent as they would know the coverages and you can't rely on what the salesman tells you.
    Answer Applies to: Iowa
    Replied: 8/17/2012
    Darrell B. Reynolds, P.C. | Darrell B. Reynolds
    It depends on your policy. All policies are not the same. Contact your insurance company and ask them.
    Answer Applies to: Georgia
    Replied: 8/17/2012
    Law Office of Mark J. Leonardo
    Law Office of Mark J. Leonardo | Mark Leonardo
    In all likelihood, yes. Contact your insurance agent to find out. I have had dog bite cases where the homeowner's insurance covered the case. This seems similar.
    Answer Applies to: California
    Replied: 8/17/2012
    Frank Law Group, P.C.
    Frank Law Group, P.C. | David E. Frank
    Yes, it should be covered.
    Answer Applies to: California
    Replied: 8/17/2012
    Larry Klein Inc | Larry Klein
    I can not say for sure without reading your actual insurance policy, but generally speaking homeowner's insurance will cover that type of claim.
    Answer Applies to: California
    Replied: 8/17/2012
    Link & Smith, P.C.
    Link & Smith, P.C. | Houston Smith
    Your homeowner's provides coverage to you for injuries and damages caused by your negligence. It can be reasonably argued that you were negligent in allowing the dogs to run free and not be on a leash. There is a good chance that your homeowner's coverage will apply.
    Answer Applies to: Georgia
    Replied: 8/17/2012
    Downriver Injury and Auto Law | Michael Heilmann
    Yes.
    Answer Applies to: Michigan
    Replied: 5/28/2013
    Law Office of Stuart M. Nachbar, P.C.
    Law Office of Stuart M. Nachbar, P.C. | Stuart M. Nachbar
    If your policy covers pet
    Answer Applies to: New Jersey
    Replied: 8/15/2012
    Gates' Law, PLLC | Thomas E. Gates
    Yes, your home owner's insurance will cover this accident. Wait to see the extent, if any at all, of injury before you contact your insurance company.
    Answer Applies to: Washington
    Replied: 8/17/2012
    Andrew T. Velonis, P.C.
    Andrew T. Velonis, P.C. | Andrew Velonis
    The insurance policy covers liability which you are legally obligated to pay. I assume you have reported this incident to them. They will investigate and if a claim is made against you, they will either negotiate a settlement or defend you.
    Answer Applies to: New York
    Replied: 8/17/2012
    Dennis P. Mikko Attorney at Law | Dennis P. Mikko
    Your home owner's insurance should provide protection for this. This would be a good time to review your policy to make sure there are no exclusions for pets. If there are, you should contact your agent to make sure you have appropriate coverage.
    Answer Applies to: Michigan
    Replied: 8/17/2012
    Law Office of James J. Rosenberger | James Joseph Rosenberger
    Yes. They should provide a defense to and pay for any claim that might be brought for injury as long as it's proven to be the fault of you/your dogs. Whether it is your fault is not conclusive just by virtue of an injury. That is to be determined between the parties, the evidence and the insurance companies.
    Answer Applies to: Washington
    Replied: 8/17/2012
    Dwyer, Black & Lyle, LLP
    Dwyer, Black & Lyle, LLP | Kevin Habberfield
    Yes. Turn the claim over to your insurance company.
    Answer Applies to: New York
    Replied: 8/17/2012
    Paul Whitfield and Associates P.A.
    Paul Whitfield and Associates P.A. | Paul L. Whitfield
    If on your property, probably. Read your policy. It is nothing more than a long complicated contract. See what the carrier agrees to cover for you. if you don't understand talk to a company rep or see a lawyer don't be bashful about it. that is what insurance is for, to cover folks from liability losses.
    Answer Applies to: North Carolina
    Replied: 8/17/2012
    Joel H. Schwartz, P.C.
    Joel H. Schwartz, P.C. | Steven A. Schwartz
    Homeowners coverage will normally cover you for injuries caused by your dog, unless you have it listed as an exception on your policy. Most likely you are covered. Check with your insurance agent.
    Answer Applies to: Massachusetts
    Replied: 8/17/2012
    Dungan, Lady, Kirkpatrick & Dungan PLLC | Michael Dungan
    You will have to read your policy to be sure, but that type of incident is typically and routinely covered by home owner's insurance. Contact your agent right away and let them know about the incident.
    Answer Applies to: Michigan
    Replied: 8/17/2012
    Craig Kelley & Faultless
    Craig Kelley & Faultless | David W. Craig
    Your homeowners insurance will likely cover any damages caused by your dogs that you are legally liable for. The only exception would be if the insurance policy specifically excluded pets or dogs for some reason. That is not likely. You should immediately notify your insurance company.
    Answer Applies to: Indiana
    Replied: 8/17/2012
    Holzer Edwards
    Holzer Edwards | Kurt Holzer
    Maybe. The exact details of the incident and the terms of the insurance policy will answer that question.
    Answer Applies to: Idaho
    Replied: 8/17/2012
    Ferguson & Ferguson
    Ferguson & Ferguson | Randy W. Ferguson
    Yes, unless you have an exclusion for dogs.
    Answer Applies to: Alabama
    Replied: 8/17/2012
    Ford, Howard & Cornett, P.C. | Bradley Cornett
    Generally speaking, homeowners insurance policies include personal liability coverage. Check your policy. If you have personal liability coverage as part of your homeowners policy, then you should be covered for any claim arising out of the dog incident. When you review your policy, be sure to read all of the exclusions to the personal liability coverage. Some policies have exclusions that may apply.
    Answer Applies to: Alabama
    Replied: 8/17/2012
    Timiney Law Firm
    Timiney Law Firm | Leigh Anne Timiney
    It is really dependent upon the facts of the case and the terms of your homeowners insurance policy. Did the man suffer any significant injuries? I would suggest since this just happened last night, that you wait a short period of time and see what, if anything, actually comes of this. You are always free to contact your homeowners insurance and make them aware of the situation and see if you have coverage. However, your insurance likely won't make a final determination about coverage until an actual claim is filed, but you can give them the facts of the situation and get an idea whether or not they would be able to handle the claim. Good luck to you.
    Answer Applies to: Arizona
    Replied: 8/17/2012
    The Law Office of Harry E. Hudson, Jr.
    The Law Office of Harry E. Hudson, Jr. | Harry E. Hudson, Jr.
    Ask the carrier and read your policy.
    Answer Applies to: California
    Replied: 8/17/2012
    Selik Law Offices
    Selik Law Offices | JOEL SELIK
    Yes. Unless they are specifically excluded (Often times Pitbulls and other dogs are excluded).
    Answer Applies to: California
    Replied: 8/17/2012
    Bernard Huff, Attorney/Mediator
    Bernard Huff, Attorney/Mediator | Bernard Huff
    It may. You should report the incident to your insurance agent as soon as possible.
    Answer Applies to: Indiana
    Replied: 8/17/2012
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