Whose Insurance Covers a Greenwood, IN Dog Bite?

February 28, 2026

• You could be compensated for a dog bite in the Greenwood area by pursuing a claim against the dog owner’s homeowner’s policy, even if the attack occurs outside of the home.
• However, a successful outcome isn’t ever guaranteed because of the various exclusions the policy may have and the opposition you might face from the insurance company.
• Fortunately, you may be able to obtain the compensation you deserve if you partner with the experienced Greenwood, IN dog bite lawyers at Hensley Legal Group, PC.

With the sixth highest rate of dog ownership in the United States, the people of Indiana seem to agree that dogs really are “man’s best friend,” but far too often your best friend can transform into your worst enemy without any apparent provocation. Before you know what happened, you could be forced to deal with disfiguring injuries demanding prolonged treatment that you could have trouble affording without assistance. Fortunately, that assistance may be available if you get bitten at the Four Paws Dog Park or some other location in an Indiana city like Greenwood, and it will usually come from an insurance policy, but whose insurance covers a Greenwood, IN dog bite? Read on to learn how you can get fairly compensated after an animal attacks you.

How Homeowner’s Insurance May Come into Play

If you drive on a regular basis, you’re probably aware that the main source of financial recovery for a collision with a car or truck is an auto insurance policy on the vehicle that caused the accident. And since vehicle owners are legally required to carry at least a minimum amount of insurance, there generally isn’t much confusion about where you can get reimbursed for crash-related losses, but the path to compensation after a dog bite tends to be much less straightforward.

Although some companies have begun marketing animal liability insurance to cover the harm inflicted by pets, policies of this nature haven’t been widely adopted yet and may therefore not factor into whatever personal injury case you initiate. However, you might be able to pursue a claim against any homeowner’s policy the dog’s owner may have (or a renter’s policy if the owner lives in a rental unit).

This kind of insurance is primarily designed to pay for injuries brought about by hazardous conditions at the house or apartment in question. As such, it may be no surprise that homeowner’s insurance most frequently comes into play during premises liability claims arising from slip and falls, though it can be tapped for dog bite claims too, even when the attack occurs away from the covered property.

Serious Obstacles May Have to Be Overcome

But while homeowner’s insurance is more common than dog bite insurance, it’s not mandatory like auto insurance is, nor does proof of it have to be presented to a responding officer at the time of a dog bite. This can make it tougher for you to obtain information about the applicable policy – if such a policy exists at all.

And assuming there is a homeowner’s policy, a number of serious obstacles may still have to be overcome. For example, the policy might exclude attacks that take place outside of the home, bites from certain breeds, or possibly dog bites altogether.

Furthermore, you could be at a major disadvantage when dealing with a veteran insurance adjuster, who could exploit your relative unfamiliarity with the claims process to resolve your claim for less or just deny it outright.

What a Greenwood, IN Dog Bite Attorney Can Do for You

As you can see, success isn’t guaranteed when you try to get justice for a dog bite in Greenwood, IN. Nevertheless, you can tip the odds in your favor by partnering with an accomplished practice like Hensley Legal Group, PC, a dedicated Indiana personal injury law firm whose experienced attorneys have been fighting on behalf of the wrongfully injured since 1998.

A tenacious lawyer will move swiftly to identify the dog’s owner and anyone else who might be liable for the attack, along with every insurance policy that may apply, then establish valid claims against the defendants by sending them formal notification in writing and alerting their insurers. If the situation should warrant it, a lawsuit could be filed as well in a court with the power to issue a binding judgment.

Your Greenwood, IN dog bite attorney will also amass the materials needed to support any allegations that you make. This could include anything that demonstrates prior aggression by the dog or negligence by the owner that could neutralize such standard defenses as the One-Bite Rule, such as taking the dog off leash in a park in violation of Greenwood City Code #5-12-A.

When confronted with compelling evidence of both your damages and the defendants’ misconduct, the insurance company may prefer to make a generous offer rather than risk a disastrous verdict, which could potentially allow you to secure the resources necessary to become whole again.

Reach Out to Our Greenwood, IN Dog Bite Lawyers

Hensley Legal Group has been standing up for hardworking Hoosiers like you for over a quarter century. If you’ve been viciously attacked by a dog in the Greenwood area, reach out to our Greenwood, IN dog bite lawyers to explore your legal options.

Simply call us at (317) 472-3333, chat with us online, or fill out our contact form now to schedule a free case review with a knowledgeable Greenwood, IN dog bite attorney at our firm.