Dog bite claim on a home insurance policy

When the insurance company pays out for dog bites, how does that work? My neighbor's dog bit my son, caught it on cctv camera and also few months later bit two other people. Their insurance company wants to settle, but how does it affect their home insurance rate going forward? How long does it stay on their record?

Aug 5, 2018 Hicksville, NY

Ava Lynch

Aug 5, 2018

Every insurance company is different when it comes to home claims. Any claim that is filled will impact their rate and as you mentioned you can even be dropped by your insurance company. In most cases, it will be hard for the home owner to obtain insurance with the dog in the home especially with a history of biting. Liability coverage extends to your dog, some insurance companies have certain stipulations regarding the breed of dog you can own. So, if you already have a dog your insurance has deemed “dangerous”* but insured anyway, filing a bite claim might cause your insurance company to think twice about you as a client and potentially drop your coverage. When it comes to the claims history, insurance companies look at the CLUE report. The CLUE report is a where most insurance claims for reported for other companies to verify claims history. Home owners claims can affect your rates for up six years. Each state has their own statute of limitations for claims. If you have any further questions don't hesitate to ask. Good luck.

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