What kind of insurance covers dog bites?

Homeowner’s and renter’s insurance policies generally cover the holder of the policy if their dog bites someone. That means the insurance company pays the victim’s medical bills and other damages instead of the dog owner bearing the cost alone. If you’re a dog owner, it’s important to check your policy regularly. In recent years, insurance companies have been excluding certain breeds, especially pit-bull types, from coverage. If the dog owner has no insurance, he or she is still held financially responsible for the attack.