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Are dog bites covered by homeowners insurance in Florida?

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The answer is, it depends. Most homeowners’ insurance policies now exclude dogs. Some exclude by breeds, such as pit bulls or german shepherds or what have you, but we’re seeing an evolution in insurance policies now that generally exclude dogs from being covered, whether they bite you or knock you down. The only way to know for certain is to review your homeowners’ insurance policy and look at the exclusions and see whether or not any dogs or certain dogs are excluded.