Animal Liability Insurance

Pet liability insurance solutions do not cover damages your dog causes on your property or injuries to you or members of your household. An animal liability solution offers coverage for bodily injury and property damage to third parties.

If law enforcement orders your animal’s impoundment, your policy won’t cover related expenses such as boarding and vaccination updates.

This solution does not function as pet health insurance.

Require your tenants to carry insurance solutions and check that the protection extends to you. You or your entity can be listed on your tenant’s policy as an additional insured, which would extend coverage to you if named in a lawsuit.

We can seek solutions that provide this to your tenant for no charge. We can also identify an excess animal liability solution on top of your tenant’s coverage solution and/or even work with you for our TRU Umbrella solution for full protection. You can learn more on our Animal Liability Insurance Solutions for Landlords page.

Homeowners insurance typically doesn’t provide enough animal liability coverage, and the coverage limits may be lower than expected.

Many dog owners believe their homeowners policy will provide adequate coverage for injuries or damages their pets cause. In many situations, the liability limits for pet claims are much less than the general policy limits. For instance, if you have a $300,000 liability ceiling, the threshold for animal damage may only be $25,000. Some homeowners policies provide no animal liability coverage — something policyholders usually aren’t aware of until it’s too late.

In addition, homeowners insurance typically excludes coverage for dogs with a previous bite history and for “dangerous” breeds with a reputation for aggressiveness or the ability to produce large bites.

Realistically, any dog has the potential to inflict a damaging bite under certain circumstances. While lack of training and poor circumstances can cause any dog to lash out, several dog breeds may bite more often than others. Keep in mind, however, that large dogs are cited more often because they can inflict more serious injuries.

Here are some examples of dog breeds most likely to bite or that are often deemed aggressive:

• Pit bulls
• Rottweilers
• Great Danes
• German shepherds
• Chihauhaus
• Bully breeds
• Siberian huskies
• Wolf hybrids
• Akitas
• Chow chows
• Alaskan malamutes

The right pet liability insurance solution can help fill the gaps in your homeowners coverage and may provide the protection you need.

Yes, when they are legal to own, we can help you find an insurance solution. You can see more details on our Exotic Pet Liability Insurance Solutions page. We specifically find coverage to help protect owners of a wide range of nontraditional pets. If you own an exotic pet, it’s essential to better understand the risks of exotic pet ownership.

This solution is meant to provide coverage when your pet is in your care, custody, and control. With additional underwriting, we can consider making arrangements for additional insured parties.

Yes, we can list animal control as an additional insured to an insured coverage solution for no charge. We will need the entity name and address to do so.

No, we do not plan coverage packages for first-party property damage to any location you own, use, rent, or occupy. For more details about dog bite insurance for renters, visit our Animal Liability for Tenants and Renters page.

It helps protect dog and pet owners against unexpected incidents that could lead to financial strain and legal issues. Accidents can happen, so get legal protection and peace of mind knowing you have coverage. Whether you need animal insurance solutions for cats, dogs, or exotic pets, there are options available to you.

Our online application takes 5 to 10 minutes to complete.

We will review the details once you complete your online application and respond with a quote as soon as possible. Our underwriters take the time to thoroughly review your applications to provide a quote that accurately reflects what you might pay.

After we deliver a quote, the number and link provided are valid for 30 days.

Your application will need to be reviewed by an underwriter. They will reach out to you as soon as possible, but feel free to follow up via phone call or email.

Please call us at (877) 719-2570 or email [email protected] with all error code details or any questions about these solutions.

Yes, we can accept 25%, 30%, or 40% of the total due. The balance will be split into 10 monthly payments that are automatically withdrawn from the same debit or credit card used to purchase the coverage solution.