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Does homeowners insurance cover a dog bite?
Bites are usually a liability question, and breed or prior-incident wording can remove coverage entirely.
What filed forms generally say
Personal liability generally responds to bodily injury a household member's animal causes to someone else.
Medical payments to others is a separate, smaller coverage that can pay treatment without a liability finding.
Many carriers add an animal-liability exclusion, or exclude a specific animal with a bite history, by endorsement.
Why your policy can still say something else
Whether an animal exclusion is attached, and how it is worded, is specific to your policy and carrier.
Clauses to look for in your own document
- Coverage E — Personal Liability
- Coverage F — Medical Payments to Others
- Animal Liability exclusion
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PoliSays explains document wording. It is not an insurer, broker, or law firm, and nothing here is advice.