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Tenants, dogs and dog bites: What’s covered?

In honor of National Dog Bite Prevention Week here are three Qs&As on coverage for tenants, their dogs, dog bites and other damage.

By FC&S Editors | Updated on April 12, 2017
Coverage for dogs in a dwelling often depends on whether the owner is the "insured" or a tenant, and what the dog has done. (Photo: R. Donlon)

In recognition of National Dog Bite Prevention Week 2017, from April 9–15, here are some questions and answers relating to the ownership of dogs by tenants and the available insurance coverage for dog bites and damage to the premises.

Question. The insured owns a rental home that is insured on a Dwelling Fire policy. The liability for the rented home is endorsed to the Dwelling Fire policy. The tenant of the rented home is the insured’s adult son. The adult son owns a dog that bit another individual. How do you see liability coverage, if any, applying in this situation? The Dwelling Fire liability policy has the following wording:

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