When we meet with people, who have been bitten and injured by someone else's dog or other pet, they usually ask if there is any insurance that would cover their injuries and losses. Generally, the dog owner's home owner's insurance policy would cover any damages caused by their dog. Remember, Massachusetts follows a strict liability standard for dog bite cases. The dog owner, therefore, may be held liable and legally responsible for the damages his or her dog causes, even if the dog owner is not necessarily negligent. Generally, damages are the only matter at issue and the home owner's insurance policy will normally cover the damages.