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Don’t Let Dog Bites Send You to the Doghouse

The laws governing dog bite liability vary by state and, like all aspects of insurance, coverage is regulated by individual states. Here’s what you need to know about insurance and dog bites:

Homeowners and renters insurance policies typically cover dog bite liability. If a claim exceeds the policy’s limit, though, the dog owner would be personally responsible for all damages above that amount, including legal expenses resulting from dog bites.

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The severity of claims, and their associated cost, usually varies by breed.

“A claim resulting from a beagle that bit probably will result in minimal costs,” says McConnell. “Costs may cover an emergency room visit, maybe a tetanus shot, maybe some stitches. But claims resulting from a Rottweiler bite have cost well over $100,000, in part because certain dogs are much more powerful and can cause significant injuries, especially to a child.”

To review your insurance policy or inquire about ERIE’s coverage, contact your ERIE Insurance Agent.

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of July 2022 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. 

The insurance products and services described in this blog are not offered in all states.  ERIE life insurance and annuity products are not available in New York.  ERIE Medicare supplement products are not available in the District of Columbia or New York.  ERIE long term care products are not available in the District of Columbia and New York. 

Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.