If you were bitten by a dog on the owner’s property and were legally permitted to be on the property, the homeowner’s insurance should cover your medical bills. It’s also possible that the dog owner has an animal insurance policy for their pet. If this is the case, a dog bite attorney will advise that you file a claim against this policy. Animal insurance is typically purchased for dogs who are repeat offenders, which means they’ve bitten people in the past and a homeowner’s policy will not cover the pet.