In which scenario would an insured’s dog be covered under a homeowners policy?

Homeowners policies typically include liability coverage, which protects the insured from claims made by others for bodily injury or property damage that the insured may be legally responsible for. In the context of a dog, this liability coverage extends to dog bites. If a dog owned by the insured bites someone, the homeowners policy would provide coverage for medical expenses, legal fees, and damages that may arise as a result of that incident, as long as the policy does not specifically exclude coverage for dog bites.

Property damage caused by the dog may be addressed differently, and while certain scenarios might be covered, they typically fall under the personal property or liability sections, which are more ambiguous than direct liability for injuries. Bodily injury to the dog itself would not be covered, as homeowners policies do not typically provide coverage for the insured's own property or pets. Moreover, theft of the dog is usually not covered under standard homeowners policies as they focus more on liability and the structures on the property rather than specific losses of personal property such as pets.