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Did you know that you can be held liable if your dog bites someone? It’s true. Dog owners are often sued because of their pets’ behavior. In fact, each state has its own law concerning owner responsibility for dog bites. The level of liability ranges from “Strict Liability,” in which you are automatically held liable regardless of the circumstances, to a “One Bite Rule,” where owners may get a break for their dog’s first offense.
In the insurance world, the Personal Liability limit on your Home or Renters policy will defend you against claims of bodily injury from dog bites. Because of this loss exposure, insurance companies ask about the breed of dog in your home and often will exclude coverage based on the breed’s reputation.
What are the Dog Owner Liability laws in your state? Here’s a handy reference guide to the Dog Bite Liability laws in each state (thanks to the Independent Agents & Brokers of America).
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