Does my insurance cover dog bites?

Most standard homeowner's policies cover dog bite liability, typically up to your liability limit of $100,000 to $500,000. However, some insurers exclude certain breeds considered high-risk, including pit bulls, Rottweilers, and German shepherds. If your dog has a history of biting, your policy may exclude coverage or your insurer may non-renew. Some companies require you to sign a liability waiver for dogs. An umbrella policy can provide additional coverage above your standard limits. Always disclose your dog breed to your insurer to avoid claim denials later.