Does Renters Insurance Cover Dog Bites?


As a dog bite injury lawyer, I'm commonly asked about the kinds of insurance that cover you if you're bit by a dog. Generally, my answer is homeowners insurance - if you're attacked by someone else's dog, you can file a claim through their homeowners insurance to cover the costs of your medical bills. (See: Dog Attack Liability and Insurance). 

However, what happens if the dog owner doesn't have homeowners insurance?

Renters Insurance Sometimes Covers Dog Bites

Renters insurance policies may cover things like medical bills from a dog attack all the way up to the owner's policy limit. For more on that, see: Money Recoverable in Texas Dog Bite Cases.

However, not all companies include dog bite liability coverage, and many exclude certain types of dogs like Dobermans, Rottweilers and Pit Bulls. 

You'll need to look at your specific situation and the policies involved to know for sure if the medical bills from your dog bite will be covered by the dog owner's insurance. 

What To Do If You're Bit By Someone Else's Dog

One of the first steps you can take is to figure out if the dog's owner has homeowners insurance or renters insurance. Get their policy information and contact the company to start a claim. If it's unclear whether or not their policy covers dog bites, the insurance adjuster should be able to tell you. 

Is Hiring a Lawyer the Right Choice For You?

There's lots to learn about dog bite law in Texas. If you want to learn more, I suggest starting with my article on the laws here.

Since dog bite law isn't straightforward, lots of people choose to hire a personal injury attorney to handle their case for them. But how do you know if you need a lawyer? 

Generally, if you were only slightly hurt by the dog and you could easily afford to pay your medical bills if you had to, then you should be able to handle your claim on your own. However, if you were seriously hurt and you've racked up thousands of dollars in medical bills, it's worth consulting an expert to ensure you get the compensation you deserve. 

If you were bit by dog and you'd like to discuss your specific options, don't hesitate to contact the Anderson Law Firm in Fort Worth, Texas at 817-294-1900.


Mark A. Anderson
Board Certified Personal Injury Lawyer in Fort Worth, Texas