Does Homeowners Insurance Cover a Dog Bite?

The personal liability part of homeowners insurance usually covers dog bites, but many insurers exclude certain breeds or dogs with a bite history.

By the Home & Dime Editorial Team · Last updated 2026

How it works

Liability can pay the injured person’s medical bills, lost wages, and any settlement, up to your limit.

Common exclusions

• Breed restrictions.
• Dogs with a prior bite.

Frequently asked questions

Does it cover bites off my property?

Usually yes — liability follows you.

My breed is excluded?

Consider canine-liability or umbrella coverage.

The bottom line

Liability usually handles dog bites, but breed and history exclusions are common.

Related guides

• What Does Homeowners Insurance Cover?

Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.