Home Insurance Question from Caldwell, North Carolina
Asked on 8/6/2019. This question has received 36 views.
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
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.
NOTE: The IMPORTANT NOTICE below is a part of this answer!
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.