Home Home insurance Home Insurance for Dog owners My dog dislocated her hip while jumping off the bed at my house. Does my home insurance cover my vet bills? My dog dislocated her hip while jumping off the bed at my house. Does my home insurance cover my vet bills? By Penny Gusner Penny Gusner Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s. | Posted on July 30, 2014 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. No. While standard home insurance policies do include bodily injury coverage, you can’t claim for injuries sustained by you or your pets on your property. Your homeowners insurance policy’s liability coverage is there to protect you by covering, up to your limits, damage that others sustain on your property. For instance, if by accident or your own negligence someone is injured on your premises, the bodily injury liability portion of your home policy will pay the medical expenses, or defend you if you’re sued in court. Liability benefits don’t extend to you or others in your household – including your pet. You can’t be held legally liable to yourself; thus, you cannot make a liability claim or sue yourself for your dog’s injuries. You may have heard that dogs are covered under your homeowners policy, that means that if your dog harms someone else, the injuries should be covered by your home insurance policy. For example, if your dog bites someone and the injured person seeks medical treatment, then the medical bills should be covered by your homeowner’s liability coverage. Pet insurance would cover your dog’s injuries. There are a variety of pet insurance plans available, from one that covers just accidents (like a dislocated hip from a jump off the bed) to a comprehensive plan that covers accidents and illnesses and also hereditary conditions. Penny GusnerContributor  . .Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s. QuickTake Guide to dog liability insurance: cost and coverage Home insurance for dog owners Do home insurance companies have a dog "black list"? A heart-breaking choice: The family dog or home insurance See more > In case you missed it What is HO-6 insurance? Average home insurance cost in 2023 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: 14 key questions answered Replacement cost policies for your home: Getting what you pay for How much do claims increase home insurance rates? Mobile home insurance: What does it cover and how much does it cost? Homeowners insurance basics Home Insurance Advisor The Best Cheap Homeowners Insurance of 2021: Guide How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home Insurance Discounts Guide to dog liability insurance: cost and coverage Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Does homeowners insurance cover rotting wood? By Penny Gusner What is hurricane insurance? By Shivani Gite Is it legal for my home insurance company to drop my coverage after filing claim? By Shivani Gite What is HO-6 insurance? By Shivani Gite Are landlords responsible for tree damage to your car? By Casey Bond Can my homeowners insurance get canceled because my house is empty? By Nupur Gambhir Get instant quotes now ! Please enter valid zip Get Quotes