Many homeowners’ insurance policies cover personal injuries, such as dog bites, that occur on the residential property. This means that homeowners’ insurance companies often handle dog bite claims. While injured victims can take the homeowner to court in some cases, victims usually have to deal with the insurance company instead. Of course, insurance companies usually resist paying such claims. Since the insurance company is looking out for its best interests, and the homeowner’s, they often initially reject a bite victim’s claim.