Did you know that dog bites make up nearly one-third of homeowner's insurance claims in the united states? According to the center for disease control and prevention, every year in the United States more than 4.7 million people are bitten by dogs. What does that mean for dog owners? Most home owner's insurance policies cover dog bites to some extent, although certain breeds of dogs may be excluded from the policy, such as pit bulls. In addition, the amount that the individual policy covers can vary.