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For over 90 years, we have been protecting our customers from the unexpected. Whether it is business or personal, you can feel protected with us. Not only do we help protect businesses, families and individuals with their insurance needs, we help our community. Giving back to the community that supports us is a something we value very highly!

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Does Insurance Cover Me If My Dog Bites Someone?

When you consider that almost 78 million dogs are owned as pets by homeowners across the United States, you also begin to get a better understanding of why dog bites are unfortunately so common. According to a study conducted by the Centers for Disease Control and Prevention, roughly 4.5 million people are bitten by dogs in the US each year. 885,000 of them require some type of medical attention as a result, and about 440,000 of them are children under the age of 18-years-old. Nobody is telling you that you shouldn't let man's best friend into your home - however, it is important to make sure you understand your liability in these types of situations. This is particularly true as far as your homeowner's insurance is concerned. 

Dog Bites and Liability: What You Need to Know

So long as you have some type of homeowner's insurance, the chances are high that you ARE covered if your dog bites someone - to a certain extent. According to one study, roughly 33% of all homeowners insurance claims filed in 2015 were related to dog bites. The Insurance Information Institute estimated that $483 million were paid out in dog bite claims in 2013 alone. However, depending on the policy you have, there may be some exceptions. Insurance companies often specify certain breeds that they will not cover, which is particularly confusing if a dog happens to be illegal to own in your area but legal in others. These can include but are not limited to breeds like Pit Bulls, Rottweilers, Cane Corsos, Mastiffs and more. Likewise, renters insurance policies often offer far less protection for dog bites than homeowners insurance policies do. If you're worried that you lack sufficient coverage, there are a few steps you can take. You could purchase a policy with a high liability cap and you can also purchase a dog bite-specific liability rider (often commonly referred to as simply "dog bite insurance"). There are also umbrella policies available that provide a better, more thorough level of protection for dog bites than general homeowners insurance policies do. 

Pacific Unified Insurance is ready to help

As a family owned and operated business since 1922, Pacific Unified Insurance is proud to help individuals all across the region make sure that they have the homeowners insurance and other types of protection they need when they need it the most. If you have any additional questions about dog bite insurance, or would like to find out more about what your homeowners insurance does or does not cover, please don't hesitate to contact Pacific Unified Insurance today.

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Featured Team Member

Featured Team Member

David Leahy


Born and raised in Southern California, Dave was educated at Loyola High School and Arizona State University. After graduation, he founded two successful restaurants in Arizona, eventually selling them to move back to California. He began his insurance career working for…

Read More About Dave Here


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We have been in business for over 90 years. Over that time, we have had a lot of great clients and some even better stories!

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