The Homeowner’s Policy: Using Insurance to Cover Dog Bite Injuries
November 3, 2025The single most reliable source of recovery for New Haven dog bite injuries is the homeowner’s insurance policy of the at-fault dog owner. Understanding how this coverage works is key to a successful claim.
What Homeowner’s Liability Covers
Homeowner’s and Renter’s policies include a liability section specifically designed to cover bodily injury and property damage that the policyholder is legally responsible for. This includes injuries caused by their dog on or off the property.
- Medical Costs: Pays for initial emergency room visits, stitches, plastic surgery, and rehabilitation.
- Lost Wages: Compensates the victim for income lost due to being unable to work.
- Pain and Suffering: Covers the non-economic damages, including emotional trauma and permanent scarring.
Dog Breed Restrictions: A Major Hurdle
A significant factor in these claims is the insurance carrier’s stance on certain dog breeds. Many insurance companies maintain a “Dangerous Dog List” or “Restricted Breed List” (often including Pit Bulls, Rottweilers, German Shepherds, etc.) and may:
- Exclude Coverage Entirely: The policy may specifically state that it provides no liability coverage for incidents involving the restricted breed.
- Require a Canine Liability Rider: They may offer coverage for the dog only if the owner pays an expensive additional premium (a rider).
The Lawyer’s Role: If the dog owner’s insurance company initially denies the claim, they may be relying on a breed exclusion. An attorney will investigate:
- Whether the owner had an alternative liability policy.
- Whether the insurance company properly notified the owner of the exclusion.
- Whether the exclusion is legally valid in your state.
Final Check: The homeowner’s insurance adjuster’s primary goal is to close the claim for less than the policy limit. Always consult with a personal injury lawyer before accepting any offer, as that first offer is rarely the full and fair value of your injury.