Most of the time you will be asked, “Do you have any dogs? What breed (s)?” and “Does your dog have a bite history.”
Dog breeds that most insurance will not cover are:
Any Wolf Hybrids
In Case of Dog Bites
In the case of a dog bite, the insurance company will usually pay the claim. They will pay for the medical costs, and the person that was bitten will get compensation if there is any disfigurement and perhaps compensation for emotional distress.
It does not matter why the dog bites someone or where the dog is when the dog bites someone; most dog bite victims are children.
The homeowner will then get cancelled and it will be very difficult to get new homeowners or renter’s insurance if you have a dog bite claim history. At the very least, the company will ask you to sign a dog bite exclusion.