Skip to main content

My dog bit the electrician when he came to read our meter. will my house liability insurance cover his claim?

Whitesboro, NJ |

we offered to take him to hospital
we have posted beware of dog signs
he did not ask the dog be put in his cage
-the dog was on a leash

Attorney Answers 8


  1. Your homeowners should cover you. Let them know as soon as possible, so you don't give them any reason to deny coverage.


  2. It may. Report it to your insurance company ASAP. If they do not cover the accident, hire an insurance defense attorney to review the policy and advocate on your behalf. Many attorneys, such as myself, offer free 30 minute consultations.

    If they do cover it, they should provide you with defense counsel and pay any award or settlement within your policy limits. Good luck.

    The above is general information only and is not legal advice. The information provided does not form an attorney-client relationship, and should not be relied upon to take or refrain from taking any action. I am not your attorney until we sign a retainer agreement.


  3. You need to put your homeowners insurance carrier on notice about the incident right away.

    The electrician does have an option of suing you for the injury within two years of the event, but if he is covered by a workers compensation policy he may only make a claim for workers comp - or he may do both. Hopefully the injury is not severe and he'll make a good recovery. He or someone on his behalf may alert animal control and they may require you to quarantine the dog inside your home for a period of time.

    Review your homeowners policy, hopefully you do not have an exclusion for dogs.

    This response does not constitute legal advice and does not create an attorney-client relationship. Due to the complexity and ever-changing nature of the law and to the limitations of this forum, this information may not be adequate for your specific situation.


  4. Call your agent and find out. More and more homeowner policies are excluding certain breeds of dogs.
    Also, if your dog has bitten someone else before it may be excluded.

    Merry Fountain is licensed to practice law in Indiana. She can be contacted at 888-242-HURT. This is not legal advice and it does not create an attorney/client relationship. It is legal education intended to provide general information about the matter within the question. If the question does not include important timeframes and facts the answer could change. Merry Fountain strongly advises the questioner to confer with an attorney in your state.


  5. It should. Call your homeowners insurance carrier and report the incident.

    Legal Disclaimer:

    If this information has been helpful, please indicate below.

    Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received.

    This ans. does not create an attorney/client relationship.


  6. Report it to your homeowner's insurance company to resolve.


  7. Your homeowners coverage should either pay the claim or elect to defend you in a lawsuit if the insurance company does not believe you are liable under the laws of the state you live in.


  8. Assuming that your homeowners insurance carrier was notified in the application and renewal questionairres and the dog was not a breed that was excluded, than most likely yes.

Animal law topics

Top tips from attorneys

What others are asking

Can't find what you're looking for?

Post a free question on our public forum.

Ask a Question

- or -

Search for lawyers by reviews and ratings.

Find a Lawyer

Browse all legal topics