Will Homeowners Insurance Cover Dog Attacks? 
If you are walking down the street and a pack of dogs attacks you , your homeowners insurance will not cover it . This would be a claim on your medical insurance . However , if you own a dog and your dog attacks someone not a member of your household , your homeowners liability coverage may cover the resultant medical and legal expenses . `` May '' is the operative word as some homeowners insurance companies exclude dog bite liability for all or some breeds . And even if yours does not exclude , they most certainly will following filing the 1st dog bite claim under the philosophy of where there 's smoke , there 's fire . One incident is a good indicator that another is likely . Talk to your insurance professional for your specific coverage or lack thereof ! 