Exotic Pet Liability Insurance
Specialty insurance solutions tailored to you and your pet's needs.
Get StartedDon't monkey around with liability: our insurance coverage solutions have your back.
Don’t let the uniqueness of your exotic pet leave you vulnerable. With XINSURANCE, ensure their well-being and protect yourself from unexpected liabilities.
Why You Need Liability Insurance For Your Exotic Pet
Exotic pet liability insurance is a must-have for any responsible exotic pet owner. While you already understand the unique care and maintenance requirements of your exotic pet, it’s important to recognize the inherent risks they pose, even under the most responsible ownership. Mishaps such as bites and attacks, property damage, and the transmission of diseases highlight the need for liability coverage.
Moreover, it is unlikely your homeowners policy covers exotic pets. Most even restrict certain breeds of dogs from coverage or exclude animal liability coverage altogether. It is crucial to obtain dedicated exotic pet liability insurance to ensure that you have the proper coverage in place. We understand the unique needs of exotic pet owners and we offer tailored solutions to provide you with the comprehensive protection you deserve. By choosing exotic pet liability insurance, you can have the peace of mind knowing that you and your exotic pet are backed by an insurance partner that stands by your side when things go wrong.
Types of Exotic Pets That You Need Insurance For
- Monkeys
- Lemurs
- Big Cats
- Reptiles
- Birds
- And More!
Exotic Pet Liability Insurance Coverages
Animal Liability
Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Commercial Liability
This coverage can cover the liability risks associated with owning an exotic animal as part of a business or profession. It typically protects exotic animal owners against third-party claims related to injuries or damages caused by their animals in commercial situations.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQ About Liability Insurance for Exotic Pets
What is exotic pet liability insurance?
Exotic pet liability insurance is a specialized insurance coverage that provides protection for owners of exotic pets against potential liability claims arising from incidents involving their pets.
Does my homeowners insurance cover my exotic pet?
Most homeowners insurance policies do not provide coverage for exotic pets, as they have specific exclusionary clauses or restrictions regarding certain animals.
How much does exotic pet liability insurance cost?
The cost of exotic pet liability insurance varies depending on factors such as the type of exotic pet, its behavior and claims history, your location, the coverage amount desired, and more.
We do not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and your pet(s). Thus, it’s best to contact us to get an accurate estimate for your specific situation.
What kind of incidents does exotic pet liability insurance cover?
Exotic pet liability insurance typically covers incidents such as animal bites, property damage caused by your pet, and injuries caused by escapes or accidents involving your pet. Note that our insurance solutions provide third-party coverage, meaning coverage for when your pet bites or injures someone other than yourself or the members of your household. It also provides third-party coverage for when your pet damages someone’s property that isn’t your own.
Are there any insurance requirements or regulations for owning an exotic pet?
Depending on your location, there may be specific insurance requirements or regulations for owning exotic pets. It’s important to familiarize yourself with local laws and comply with any necessary permits or regulations. We can help you determine whether or not liability insurance is required in your area.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
TRU Homeowners
There’s a wide range of reasons why your homeowners policy may not be able to offer you sufficient coverage. Fortunately, XINSURANCE can offer TRU Homeowners solutions to cover wind, floods, earthquakes, mudslides, wildfires, and more.
Animal Liability
We provide customized insurance solutions for more common household pets as well including dogs, cats, birds, and more. We can also provide solutions covering therapy dogs, guard dogs, working dogs, emotional support animals, and more.
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
