Pointer mix dog Pointer mix at the beach. Credit: Simone/Adobe Stock

The Appellate Division affirmed a trial court ruling requiring the insurer on a couple’s primary residence to defend in a dog bite lawsuit for an incident that occurred at their second home and to reimburse the couple for defense costs not covered by any other policy.

Anthony and Janet Berardi found themselves at the center of an insurance dispute when their Tibetan Mountain dog bit a new cleaning service employee at their second home, Nirsa Lopez Rodriguez. The Berardis’ primary residence was in Sparta, New Jersey, and they had a second home in Montauk, New York. Their dog was normally at the Sparta home, but sometimes traveled to the Berardis’ secondary residence, according to the opinion.

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