While renter insurance covers dog bites, it is not as simple as it looks. The coverage is not straightforward, and there is usually a policy limit. The common policy limit for liability is $100,000. This means your renter insurance will cover up to $100,000 in liability if your dog should bite someone.
While this might seem like a lot, the cost of dog bite lawsuits can exceed such amount if the victim should file a claim, and your insurance provider cannot settle without going to trial. The limit means you will be responsible for anything above the $100,000 limit. Most renters insurance also excludes some dogs. These include Akitas, chow chows, Alaskan Malamutes, Great Danes, Bulldogs, Mastiffs, Rottweilers, etc. Most of the excluded dogs are large or medium breeds, with some even more aggressive than regular dogs. However, the strength and size impact how much harm they can do, even accidentally.