Does H/O insurance cover dog bites and resulting rabies treatment when dog bite occurs in home?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 6, 2019

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Insurance Question from Caldwell, NC

Asked on 08/06/2019

Does H/O insurance cover dog bites and resulting rabies treatment when dog bite occurs in home? Policy holder was in kitchen when neighbor's dog broke in and bit her. Since dog shots were not up to date, rabies procedure with shots was completed

Answer given on August 10, 2019

If someone else’s dog should bite someone, the dog’s owner, if they have liability insurance, should pay for any injuries and ensuing expenses for the bite. This should include the cost of any rabies shots that may have been required.

After the issue is settled it is most likely that the insurance company for the dog owner will require them to either get rid of the dog or the insurance policy will be cancelled. Almost every homeowner or renters insurance company will pay for one bite only.

Some insurance companies have a list of excluded dogs, dogs that cannot be in the household or are excluded from coverage. Hopefully this was not the issue in this case. Otherwise there would be no insurance coverage for the dog owner.


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