Are there any laws regarding home owner's insurance and dog bites?
Yes, in Washington State, there are laws related to home owner’s insurance and dog bites. According to the Washington State Department of Financial Institutions (DFI), if a person is injured by a dog on the property of an insured person and the dog owner is liable, the home owner’s policy may cover the damages. The DFI recommends reading the entire policy carefully to check what specific coverage may be available. Moreover, the DFI further states that a home owner’s policy usually covers the liability of the insured person for injuries to people or animals caused by a household pet. This means that if the injury results from a dog bite, the liability for the damages may be covered. Furthermore, the home owner’s insurance company may investigate the incident before making a decision regarding coverage. It is important to note that the home owner’s insurance policies in Washington are different and may vary significantly. To be sure whether home owner’s insurance covers any liability for dog bites in a particular case, it is best to consult an insurance agent to understand the particular policy provisions.
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