Many families have that pet in their family that is more than an animal. They are a member of the family. Like other members of the family, they can get in trouble and sometimes hurt others or other pets. Animal bites are the number one claim filed on homeowner insurance policies.
Unfortunately, sometimes our pets get startled and bite another animals or people. These bites can lead to law suits that can cost a lot of money. Not all policies have this coverage included and I would advise you to check with your independent agent to see if you have coverage and how much? Your homeowners policy protects you and your family. Make sure that your pet is also protected with animal liability coverage.