Dogs usually live with their owners or keepers at their homes. As a result, if the owner has a homeowner’s insurance policy, then that insurance policy covers bodily injuries, lost wages and other damages to a person injured by the owner’s dog. These insurance policies can also contain clauses that provide medical payment coverage to the person injured by a dog. The same insurance policy that applies if a person is injured on the homeowner’s property, also applies to injuries caused by the homeowner’s dog. The homeowner’s insurance policy even covers injuries caused by a dog that do not occur on the homeowner’s property. For example, if the dog injures someone on a public sidewalk, a street or at some other location, the dog owner is still liable and the homeowner’s insurance policy offers coverage to the injured person.