Is a Dog Owner Required to Have Dog Bite Coverage under a Florida Homeowner’s Insurance Policy? The simple answer to this question is “No”. The privilege or right of dog ownership in Florida is not contingent on securing dog bite insurance coverage. Liability insurance for a dog bite injury or attack is typically part of homeowner’s insurance; however, there are many policies of insurance that do not include coverage for dog bite or dog attack injuries. Furthermore, many insurance policies have an exception for dog bite injuries or attacks. Many dog owners are living under the false assumption that their homeowner’s insurance will cover any damages caused by their dogs attacking or biting another person or dog. It is only after a dog bite or dog attack takes place does the homeowner fully discover or realize that he or she does not have liability in place for dog bite injuries or attacks. All homeowners with dogs should carefully read their homeowner’s insurance policies to make sure that there is adequate coverage in place in case of a dog bite injury or dog attack injury. In Florida, a dog owner is strictly liable for a dog bite or dog attack. In other words, there is no need to prove or show that the dog owner was negligent or at fault. While there are some limited exceptions to this Florida law, suffice it to state that a dog owner is generally liable for the damages and injuries caused by a dog bite or dog attack.
The book titled – The ABCs of Child Injury – Legal Rights of the Injured Child – What Every Parent Should Know – has chapters on Dog Bite Injuries, Damages / Compensation, Medical Bills / Medical Treatment, and other topics. You can receive this book for free at The ABCs of Child Injury.
Many dog bite incidents and dog attack injuries can be avoided with proper control and supervision of a dog. See Florida Leash Laws – County by County. See also Florida Dangerous Dog Laws – County by County.