I watched an interesting case on Judge Judy, where a man who owned the cat was held responsible for vet bills on the little dog, for over $4000. A Lady was walking her dog on a leash, his home was about 4 houses away. When passing the cat and dog got into a fight, they claimed the cat attacked the dog, putting his eye out. Dog was on a long extension leash. The dog was a about the size of the cat, and very cute. They clammed the cat just attacked the dog, he claimed the dog was aggressive with the dog. I really did feel for the dog. I thought the cat owner was not legally responsible, as tragic as it was.
I always thought cats are under an exception called "The right to eminent domain", meaning they were free to be outside cats and roam. The trend in most all cat adoption organizations is only to adopt to indoor only homes. Outdoor cats have many perils, and only the city shelters will adopt out to outdoor cat families.
Have the laws changed in states now where you are responsible for cats just like dogs now? I still am very surprised by the verdict. All our cats are strictly indoor cats. Would your homeowners pay for this kind of liability claim?