I am a single parent and have a dog. What if he bites somebody?
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UPDATED: Jul 16, 2021
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Dog bites are of great concern to insurance companies. They expose the policyholder and the company to a potentially large liability settlement. On top of the medical bills, there‘s the possibility of greater payout for pain and suffering, emotional distress, and if the dog is known to be aggressive, punitive damages.
Many insurance companies refuse to write a homeowners or renters policy for owners of certain dog breeds, such as Pit Bulls, Dobermans, Akitas and Rottweilers. Most insurance companies ask if there is a dog in the household and may ask about the dog’s history of biting.
After you file a claim for a dog bite, the insurance company may non-renew the policy and/or ask you to get rid of the dog. Once there is such a claim on your record, future insurance companies may refuse to write your insurance if you still have the dog, or they may have an exclusion for any dog bite, not just the dog that was responsible for the initial dog bite claim. While your dog may seem gentle to you and your family, take care in keeping it properly restrained, either in a fenced yard, on a restraint or both, to prevent a dog bite claim.