Ordinarily, if a dog owner owns a home, they will have homeowner's insurance coverage. However, many insurance companies recently adopted exclusions in their policies for injuries caused by a dog. If there is no insurance or if there is an exclusion for injuries caused by dogs, then the only recourse will be to pursue the owner of the dog individually. Our Boston attorneys can help. Important consumer tip: If you are the owner or keeper of a dog, you should check with your insurance company to see that the dog is covered, and if not, consider switching insurance companies.