The insured's dog bites a jogger in a public park three blocks from the home. Assuming no policy exclusion for the specific breed and no prior bite history, how does the standard HO Coverage E generally respond?

Explanation

Personal Coverage E is not limited to the residence premises. It pays for bodily injury or property damage anywhere in the world (with some exclusions) for which the insured is legally liable. Dog bites are bodily injury and typically covered, unless the policy contains a specific breed exclusion or a prior-bite exclusion. Health insurance coordination is not a precondition, and veterinary bills for the insured's own pet are property to the insured, not third-party liability.