Does Renter's Insurance Cover Dog Bites in Ma? | Joel H. Schwartz, P.C.Joel H. Schwartz, P.C.
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Does Renter’s Insurance Cover Dog Bites in Ma?

As a renter’s insurance policy holder, you took out your policy to protect yourself in the event of a serious accident at your home, but you might be wondering whether your policy covers you if your dog bites someone. Continue reading to learn more about what a renter’s insurance policy covers, and cases where your policy may, in fact, cover dog bite injuries.

What Renter’s Insurance Covers

As a general rule, renter’s insurance policies are designed to cover your belongings in your home. When an accident occurs, such as a fire or a flood, your renter’s insurance policy will reimburse you for the value of your possessions. It also covers you in the case of a break-in.  

However, the majority of renter’s insurance plans do not cover dog bites, but you do have options. You might be able to purchase a separate insurance policy to cover the injury victim’s medical expenses, as well as your own liability as the dog’s owner. Or, you can look into an umbrella policy, which is specifically designed to cover damages that your other policies will not cover.

When Your Renter’s Insurance Policy Covers Dog Bites

Just because most renter’s insurance policies don’t cover dog bites, doesn’t mean that all of them don’t. You’ll need to speak with your provider to determine whether your policy will protect you. If it doesn’t, you might want to look into another insurance company for coverage.

When looking for an insurer that covers dog bites, keep in mind that these policies might exclude certain breeds of dogs deemed dangerous, such as pit bulls, German shepherds, rottweilers, Siberian huskies, and Doberman pinschers, to name a few.

Get in Touch with a Massachusetts Dog Bite Lawyer

If you’ve been bitten by a dog, or you have questions regarding your renter’s insurance policy and dog bite coverage, get in touch with a qualified Massachusetts dog bite lawyer at Joel H. Schwartz, PC. You can call our office directly at 1-800-660-2270 or fill out the quick contact form at the bottom of this page.

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