Yes, in most cases. The liability part of renters insurance usually pays if your dog bites or injures someone, including their medical bills and your legal costs, up to your policy limit. But some insurers exclude certain breeds or dogs with a bite history, so check before you need it.
What renters insurance pays after a dog bite
- The injured person’s medical bills and related costs, if you’re legally responsible
- Your legal defense if you’re sued
- Small medical bills regardless of fault, through medical payments coverage, often used for guests with minor injuries
- Damage your dog causes to someone else’s property, like a neighbor’s belongings
What it doesn’t pay for
- Injuries to you or members of your household
- Damage your dog does to your own belongings
- Damage to your rental caused by your dog, such as chewed doors or scratched floors; that usually comes out of your security deposit
- Your dog’s vet bills (that’s pet insurance; renters vs. pet insurance explained)
Breed restrictions and exclusions
Some insurers decline or exclude liability coverage for breeds they consider higher risk, or for any dog that has bitten someone before. Others decide case by case based on the individual dog’s history, and some states limit how insurers can use breed. If you have a dog:
- Tell the insurer about your dog when you apply.
- Read the policy for an “animal liability” or “dog bite” exclusion.
- If your dog is excluded, ask other insurers or look at a separate canine liability policy.
How much liability coverage should dog owners carry?
Dog bite claims can be expensive, especially when they involve surgery or children. Dog owners often choose $300,000 or more in liability coverage, and an umbrella policy can add more. More on liability limits.
Landlords and dogs
Many landlords require tenants with dogs to carry renters insurance with liability coverage and may set a minimum limit. What landlords can require.
New to this? Start with What is renters insurance?
This site offers general information, not insurance or legal advice. Coverage, prices and rules vary by insurer, policy and state, so always read your own policy and ask your insurer or agent about your situation.