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Will My Home Insurance Cover a Dog Bite In Washington?

Posted on January 31st, 2024

As a dog owner, you bear a multitude of responsibilities, not only for the care and well-being of your pet but also for the safety of those around you. Dogs have sharp teeth and strong jaws, and when they bite, the consequences can be severe—for the victim and you, the owner. In these situations, your homeowners insurance policy may help mitigate the financial repercussions, paying for the victim’s damages on your behalf.

Liability for Dog Bites in Washington State

Washington state adopts a strict liability approach regarding dog bites. This means that if a dog bites someone, the owner is automatically held liable for the victim’s injuries—as long as the victim was lawfully in the place where the bite occurred. This rule applies regardless of the dog’s previous behavior or the owner’s knowledge of dangerous behavior.

Victims of dog bite incidents are eligible to pursue legal action against the dog’s owner and recover compensation to pay for any damages that they sustained. These may include medical expenses, pain and suffering, and lost wages.

Homeowners Insurance for Dog Bites

If you are facing a legal claim after your dog bites another person, your homeowners insurance can help bear some of the costs. Most policies include personal liability coverage, which may cover injuries caused by a dog owned by the policyholder. This insurance can help cover the damages associated with dog bite injuries, potentially saving you from paying for these losses out of pocket.

However, it’s important to recognize that not all homeowners insurance policies are the same. Coverage for dog bites can vary widely, with some policies excluding certain breeds deemed high risk or basing coverage on the individual dog’s history. Additionally, different policies have different coverage limits, and your coverage may be insufficient to pay for the victim’s damages. You would be responsible for paying the remainder of the costs out of pocket.

How to Prevent Your Dog from Biting

Prevention is always the preferable choice when it comes to dog bites. If you own a dog, you can take proactive steps to help minimize the risk. Consider the following tips:

  • Socialize your dog from a young age to get them comfortable around people and other animals.
  • Train your dog to obey basic commands such as “stay,” “sit,” and “come.”
  • Always supervise interactions between your dog and strangers, especially children.
  • Keep your dog on a leash in public areas.
  • Regularly exercise your dog to help manage their energy levels and reduce anxiety or aggression.
  • Learn the warning signs of aggression and have a plan to control your dog in case of a dangerous event

What To Do If You're Bitten By A Dog

What to Do If You Are Bitten by a Dog

If you or someone you know is bitten by a dog, it’s crucial to seek medical attention immediately. Dog bites can transfer harmful bacteria into your bloodstream, leading to potentially dangerous infections. Once you have received treatment, contact an Auburn dog bite attorney who can guide your next steps.

A Washington dog bite lawyer can help assess the owner’s home insurance and determine whether you are eligible for coverage under this policy. Additionally, your attorney can represent you in your insurance claim or lawsuit against the animal’s owner, advocating for your right to fair compensation. After the incident, schedule a free legal consultation as soon as possible to discuss your next steps.