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Will my homeowners insurance drop me if my dog bit someone?

So last week the side gate to my house was left open and my dog got out. She bit one of my neighbors down the street, I'm guessing out of fear (she is a rescue dog). The bite wasn't too serious, but it did break the skin so my neighbor went to urgent care to get bandaged up. We apologized and offered to pay any medical costs upfront, but my neighbor preferred to let our insurance companies handle the claim. My dog hasn't bit anyone in the past, and isn't considered a dangerous breed (labrador, border collie mix). We've let her off leash at the dog beach and dog parks with plenty of other dogs and people running around, and she hasn't shown any type of aggression. What I'm worried about is my insurance company dropping us from their coverage, and us subsequently having trouble finding homeowners insurance in the future. We tried convincing our neighbor to let us settle without getting the insurance companies involved, and explained the situation, but with no luck. Does anyone have any answers or advice about the whole situation? Should I make a claim first and let our insurance company know, or should I just sit and wait for the whole situation to play out? BTW I live in California and my homeowners insurance is Wawanesa

   








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Will my homeowners insurance drop me if my dog bit someone?
So last week the side gate to my house was left open and my dog got out. She bit one of my neighbors down the street, I'm guessing out of fear (she is a rescue dog). The bite wasn't too serious, but it did break the skin so my neighbor went to urgent care to get bandaged up. We apologized and offered to pay any medical costs upfront, but my neighbor preferred to let our insurance companies handle the claim. My dog hasn't bit anyone in the past, and isn't considered a dangerous breed (labrador, border collie mix). We've let her off leash at the dog beach and dog parks with plenty of other dogs and people running around, and she hasn't shown any type of aggression. What I'm worried about is my insurance company dropping us from their coverage, and us subsequently having trouble finding homeowners insurance in the future. We tried convincing our neighbor to let us settle without getting the insurance companies involved, and explained the situation, but with no luck. Does anyone have any answers or advice about the whole situation? Should I make a claim first and let our insurance company know, or should I just sit and wait for the whole situation to play out? BTW I live in California and my homeowners insurance is Wawanesa


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So last week the side gate to my house was left open and my dog got out. She bit one of my neighbors down the street, I'm guessing out of fear (she is a rescue dog). The bite wasn't too serious, but it did break the skin so my neighbor went to urgent care to get bandaged up. We apologized and offered to pay any medical costs upfront, but my neighbor preferred to let our insurance companies handle the claim. My dog hasn't bit anyone in the past, and isn't considered a dangerous breed (labrador, border collie mix). We've let her off leash at the dog beach and dog parks with plenty of other dogs and people running around, and she hasn't shown any type of aggression. What I'm worried about is my insurance company dropping us from their coverage, and us subsequently having trouble finding homeowners insurance in the future. We tried convincing our neighbor to let us settle without getting the insurance companies involved, and explained the situation, but with no luck. Does anyone have any answers or advice about the whole situation? Should I make a claim first and let our insurance company know, or should I just sit and wait for the whole situation to play out? BTW I live in California and my homeowners insurance is Wawanesa


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Will my homeowners insurance drop me if my dog bit someone?
So last week the side gate to my house was left open and my dog got out. She bit one of my neighbors down the street, I'm guessing out of fear (she is a rescue dog). The bite wasn't too serious, but it did break the skin so my neighbor went to urgent care to get bandaged up. We apologized and offered to pay any medical costs upfront, but my neighbor preferred to let our insurance companies handle the claim. My dog hasn't bit anyone in the past, and isn't considered a dangerous breed (labrador, border collie mix). We've let her off leash at the dog beach and dog parks with plenty of other dogs and people running around, and she hasn't shown any type of aggression. What I'm worried about is my insurance company dropping us from their coverage, and us subsequently having trouble finding homeowners insurance in the future. We tried convincing our neighbor to let us settle without getting the insurance companies involved, and explained the situation, but with no luck. Does anyone have any answers or advice about the whole situation? Should I make a claim first and let our insurance company know, or should I just sit and wait for the whole situation to play out? BTW I live in California and my homeowners insurance is Wawanesa