HOMEOWNERS INSURANCE COMPENSATION WHEN DOG GETS OUT OF YARD AND BIT OR ATTACKED PERSON
If your dog gets out of the yard and bites or attacks someone, your homeowners insurance will still provide coverage even though the incident did not occur on your property. However, it is best to read your policy talk to your insurance agent to verify coverage – preferably well before your dog injures anyone.
Our dog bite lawyers have represented hundreds of people attacked or bitten by a dog in Minnesota, and unless the homeowners policy has a specific exclusion or limitation (which is rarely the case) there will be coverage. Even if the injury occurred because the dog got out of the yard (even if the dog bite happened at a park or someone else’s house) your homeowners insurance will pay the victim’s medical bills and other compensation. The person who was attacked by your dog could sue you, but your homeowner insurance would have to pay for a lawyer to defend you, and would also pay any court award or settlement up to your policy limits.