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Does homeowners insurance cover pet bites?

Standard homeowners liability generally covers dog bites and other pet-caused bodily injury, subject to the policy's liability limit (typically $100,000 to $500,000). However, several major carriers exclude or surcharge specific breeds, including Pit Bulls, Rottweilers, German Shepherds, Doberman Pinschers, and a handful of others. Some carriers have moved away from breed exclusions and instead rely on a bite-history exclusion (any dog with a prior bite is excluded). Check your declarations page or call your agent to confirm whether your dog is covered before relying on the protection.

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