Responsible dog owners always strive to ensure the safety of their dogs, family members, and guests. However, dogs can sometimes be unpredictable and may bite. This potential risk makes it crucial for homeowners to understand whether their home insurance covers dog bites. Contact Rock Insurance Services, serving Medford, NJ, and the Tri-State area for more information.
In New Jersey, many home insurance policies cover dog bites. If your dog bites someone, this coverage could extend to medical expenses, related personal property damage (like damaged clothing), and even legal fees resulting from the incident. The policy will specify the associated limits. However, it’s important to be aware that there are typically certain restrictions, including:
Breed Restrictions
Some insurance companies may exclude certain breeds they consider high-risk, such as Pit Bulls or Rottweilers. Others evaluate individual dogs based on behavior rather than breed. It’s crucial to consult with your insurer to understand their specific policies regarding dog breeds.
History of Previous Incidents
If your dog has a history of biting or aggressive behavior, your insurer might increase premiums, exclude the dog from coverage, or even decline to renew your policy. It’s essential to fully disclose your dog’s history to ensure appropriate coverage and prevent future valid claims from being denied due to non-disclosure.
Policy Limitations
It’s important to note that home insurance policies typically don’t cover injuries to you or members of your household caused by your own dog. Coverage usually applies to injuries sustained by guests or third parties, such as visitors to your home or delivery personnel on your property.
Don’t make assumptions about whether dog bites are covered or not. Instead, reach out to your insurance representative at Rock Insurance Services, serving Medford, NJ, and the Tri-State area.