Should dog bites be a serious concern for homeowners with dogs? The answer might be found in how home insurance companies view this issue. Aggressive dog breeds are often ineligible for coverage, according to one insurer. Yet even owning a dog might result in higher premiums as a safeguard against the risk of the dog biting a guest or invitee.
The approach taken by the home insurance industry is also relevant in the context of a premises liability lawsuit. At a minimum, dog owners should acknowledge the higher potential for harm coming to invited guests.