Hello how may I help you? What does my policy currently cover? your policy covers damages caused by water, fire, and acts of god. If my dog bit my neighbor would that be an act of God? No. That would be your negligence. Isn't Evrything an act of god ? No. You should have trained your dog better. I don't need you judging me I am not judging you. God is. Again isn't everything an act of God? No.