Normally homeowners’ insurance covers dog bite activity. Oftentimes renters’ insurance covers dog bite activity.
In fact, another statistic from the San Francisco Chronicle article that I cited earlier, “Dog bites accounted for one third of all homeowner’s liability claims in 2015.” **
I think this subject is really important because clients will often tell me they were bitten by a dog, they received serious scars and injuries, however they are very concerned about making a claim because they don’t want to harm the friendship. So many people are bitten by dogs whose owners are close friends of the victims.