Does Homeowners and Renters Insurance Cover Dog Bites?

If you’ve been bitten and seriously injured by a usually well-behaved dog in a home your friend is renting, you may wonder if the incident is covered by insurance. In New Hampshire and Vermont, there are two very different laws that can affect how this dog bite is responded to.

In New Hampshire, there is strict liability. The dog bite law states that the owner is responsible for damages, unless the dog attacks a trespasser. In Vermont, there is the one-bite law, meaning if a dog bites someone in the past, and then bites someone else, the owner understands that their dog is dangerous. Extra care must be taken when that dog is around people.

Whether you rent or own, it is a good idea to have insurance. Often homeowners and renters insurance cover personal liability. This covers dog bites, as well as slip and falls, or other injuries that may occur on your property. The coverage not only depends on your insurance carrier, but how much you are paying into it.

Insurance companies will often provide you with the name of an attorney if you are taken to court for negligence. Your insurance may also offer to cover medical payment, up to a certain point, for medical bills incurred.

If you are on the receiving end of a dog bite, you should hire an experienced dog bite attorney to help find out if the dog’s owner has homeowners insurance or renters insurance to cover damages.

If you have any questions about dog bites in the New Hampshire or Vermont area, please contact the experienced personal injury attorneys at the Law Offices of Van Dorn & Curtiss for an initial consultation today.


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