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Are dog bites covered by homeowner’s insurance in Florida?

This is not a one-size fits all answer. It used to be that most homeowner’s insurances cover dog bites. But now we have exclusions, and some people may have homeowner’s insurance and likely exclude any damages for dog bites; so the answer is it’s fact-dependent. If you have a dog-bite case, and a homeowner’s dog bit you, and they were at fault — and they usually at fault — and they don’t have insurance, you can still file a lawsuit against the homeowner. But, it’s best if they do have insurance, and that is in fact dependent upon the individual policy.