Homeowners

Does Georgia homeowners insurance cover dog bite liability?

Yes, personal liability on a standard Georgia HO-3 policy covers dog bite claims against you, typically up to your policy limit of $100,000 to $300,000. However, some carriers maintain breed exclusion lists — commonly pit bulls, Rottweilers, German Shepherds, Akitas, and Dobermans. If your dog is on a carrier's exclusion list, they may decline to write your policy, exclude the dog from liability coverage, or require a separate animal liability endorsement. Always disclose your dog's breed when shopping. A single bite claim in Georgia averages over $50,000 when medical costs and legal fees are included.

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Does Georgia homeowners insurance cover dog bite liability?

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