Will my home owners insurance cover dog bites

I’m I cover by my home owners insurance policy if my dog bites a person at the beach ?.

Asked on May 3, 2016 under Personal Injury, Florida


S.L,. Member, California Bar / FreeAdvice Contributing Attorney

Answered 4 years ago | Contributor

Although you should check with your homeowner's insurance, it is unlikely the policy will cover you because the incident with your dog biting someone did not occur on your property.
You are liable for negligence for the injury inflicted by your dog.  Negligence is the failure to exercise due care (that degree of care that a reasonable dog owner would have exercised under the same or similar circumstances to prevent foreseeable harm).
If this is the first time your dog has bitten someone, you are liable for negligence.  If the dog has a history of biting, your liability is strict liability which is liability whether or not due care was exercised.

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