Does homeowners Insurance cover a dog attack if it happened on the sidewalk or street in front of the house?

When your home insurance policy protects you from high-cost bills after a dog attack, you may wonder about the potential clauses, conditions and exceptions that may apply. Depending on your policy and the details of your plan, it may be possible to make a claim on your policy if your dog bites or attacks a person on the sidewalk or street in front of your house.

Identifying Property Lines

Depending on the insurance policy and your home, the property lines may or may not play a role in determining if you can make a claim. Some insurers will only pay for attacks that take place on your property while other insurance providers may pay for injuries that occur on the sidewalk or street in front of your house.

If you must identify a property line, then it may extend to the sidewalk or it may stop before reaching the sidewalk. Some insurers may include the sidewalk, but not the street.

Making a Claim

Evaluate your policy to determine if you have coverage for the specific situation. In many cases, insurers will pay for the attack if it happens directly in front of your house, but the specific details can vary.

Making a claim will depend on the situation. In many cases, you will need to contact your insurer as soon as the attack occurs and then provide proof of the cost of medical bills when the bills are available.

As a pet owner, you are responsible for the actions of your dog. If a dog attack occurs in front of your house, then your home insurance policy may offer some financial relief for the medical bills. Contact us to talk to an agent for more information.