Can Your Dog Scare Someone into a Homeowners’ Insurance Claim?

Can Your Dog Scare Someone into a Homeowners’ Insurance Claim?

If you own a dog, you may be aware you are responsible for its actions. Of course, that means if your dog bites someone, you can be held liable, especially when it is not under your control . But what if your dog just frightens a visitor on your property? Can your dog scare someone into a home insurance claim?

If the dog is restrained and the visitor is never in danger (real or imagined), the odds are any liability claim will not be successful. There are, however, circumstances where you could be liable.

Let’s say, for example, you own two dogs. A delivery person pulls up to your home and the driver approaches your house on your property. Your two dogs bark and run toward the driver, causing him to stumble backwards and injuring himself. The dogs retreat, never biting or otherwise contacting the driver. Can you be held liable for his injuries?

It is likely.

But if you have homeowners’ insurance, you will be covered, right? That’s not necessarily true either. If you own a dog, it is important to confirm coverage before such an incident can occur.

Some insurance policies exclude liability coverage as the result of the actions of a pet. Some even limit coverage based on breeds. The point is it can be potentially costly to assume your home insurance will cover you due to the actions of your pet.

If it does not, we can help.

Our independent insurance agents work with a network of insurance companies, and if coverage for the actions of your pet is important to you, we can make sure your policy offers such coverage.

Not knowing is not good enough. Contact us for a no cost, no obligation homeowners’ insurance review and price quote. We can do the shopping for you, and remove any gaps you may have in your protection. Contact us today.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

A Golden Age of Cinema: Iconic Films of the 1930s

Rediscovering cinematic masterpieces: Iconic films of the 1930s.

Building a Business for the Long Haul: Strategies for Sustainable Success

Building a business that lasts: Essential strategies for long-term success.

Rediscovering the Joy of Cycling: 7 Reasons to Hop on Two Wheels

Get pedaling! 7 reasons to rediscover the joy of cycling.

Why Human Interaction Still Matters in Auto Insurance

Think beyond online quotes: Why working with an insurance agent is still crucial.

Rental Car Insurance: Navigating the Coverage Maze

Understanding rental car insurance: Protect yourself on the road.

The Mysteries of Everyday Life: Exploring Life’s Curious Questions

Curious minds want to know: Exploring everyday mysteries.

The Family Business: Navigating the Perks and Pitfalls

The pros and cons of running a family business.

Finding Peace of Mind: The Importance of Life Insurance

Life insurance: More than just a policy, it’s peace of mind.

Six Surprising Facts About Cars and Driving

Discover six interesting facts you probably didn’t know about driving.

Maximizing Fun and Safety: Tips for Choosing and Maintaining a Backyard Playset

Making the most of your backyard playset: Safety, maintenance, and choosing the right one.