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Texas Department of Insurance
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July 11, 2023

Home insurance might cover dog bite costs


Silhouette of dog biting a person

A dog bite bites—with about one in five dog bites requiring medical attention.

If your dog bites someone on your property, your homeowners insurance might help.


  • Some policies exclude certain breeds. To be sure, check your policy or call your insurance company.
  • Medical payments coverage in your policy pays the medical bills of people hurt on your property. It also pays for some injuries that happen away from home, like at a park.
  • You might want to buy more liability coverage through an umbrella policy. A personal liability umbrella policy helps if your home insurance doesn’t cover dog bite injuries or doesn’t pay enough. Umbrella coverage pays up to a certain amount (usually $1 million or more) for medical bills, lost wages, and lawsuits if someone sues you.

Learn more

Homeowners insurance guide