One of the most common questions here at Hexis Insurance is whether or not home insurance policies in Oklahoma City, OK include liability coverage if a dog the policyholder bites someone. The answer, unfortunately, is not a simple one. It depends on various factors, including the breed of dog, the severity of the injury, and whether or not the dog has a history of aggression.
What Steps To Take For Liability Coverage In Case Of A Dog Bite
You first need to check your policy documents to see if there are any exclusions for dog bites. You should be covered up to your policy limit if no exclusions are listed. However, you may have limited coverage or none if your dog is considered a "dangerous breed," such as a Pit Bull, Doberman Pinscher, or Rottweiler.
Even if your insurance company doesn’t specifically exclude dangerous breeds, they may still deny your claim if your dog has a history of aggression. That’s why it’s so important to be honest and upfront when you’re applying for home insurance. If you disclose that your dog has bitten someone in the past, your insurer may still offer coverage but at a much higher premium.
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If you’re wondering whether or not your home insurance policy in Oklahoma City, OK will cover liability if your dog bites someone, the answer isn’t cut and dry. It depends on things like the breed of your dog, the severity of the injury, and whether or not your dog has a history of aggression. The best way to find out for sure is to check your policy documents and speak with your agent at Hexis Insurance.