Pet ownership can be a very rewarding experience, but it carries tremendous responsibilities that extend beyond the proper care and feeding of the animal. In addition to food, vet visits, training, socialization, and grooming essentials, pet owners are liable for injuries or damage their pet may cause to another person or their property. This liability can be substantial, especially if the pet attacks someone.
When the injury or damage is severe, as can be the case with dog bites, the pet owner can be held liable and possibly sued for medical expenses and other damages that can amount hundreds of thousands of dollars. Homeowner’s insurance may cover a portion of this liability, depending on the type and amount of insurance the pet owner carries, as well as any restrictions their specific insurance company may have. To understand whether or not your insurance will cover such damages, read Chris Kissell’s article, “Will your insurance pay out for pet damage?”