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Is a dog exclusion enforceable under the law?

Nov. 22, 2007

Question:
My sister and her husband have had a dog-bite claim filed against them. The dog did bite previously and their insurance company notified them they would no longer cover any bites from that dog. Last summer the dog bit again and my sister may now be looking at a large settlement.

Is a dog exclusion enforceable under the law? Is my sister going to have to handle this on her own?

John, Wisconsin

Answer:

Dear John,

Yes, the exclusion is enforceable. And since her policy excluded payments related to dog bites, your sister will indeed have to pay any settlement out of her own pocket.

Dog-bite exclusions are fairly common, especially if there is record of a previous bite. For more on this, read Home insurance for dog lovers.

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