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Animal Liability



While most of us see our dogs as valued members of the family, the sad reality is that they can also be a huge liability. Without warning, even the friendliest dogs can be pushed too far and snap. A playful nip can be read as aggression by those unfamiliar with your four-legged friend. Not to mention the risk of property damage that can come from dogs who love to dig or who suffer from separation anxiety. This is where animal liability insurance can help.

Dogs are one of the leading causes for homeowners’ insurance claims and you can’t always train away your dog’s bad habits. If you have a dog but do not have animal liability coverage, you are opening yourself up to the potential for a difficult lawsuit. XINSURANCE provides a wide range of animal liability solutions including canine liability insurance options you won’t find with most other insurance companies.

We offer dog bite insurance coverage for everything from an overactive Chihuahua to “dangerous breeds” like pit bulls that most companies won’t touch. We also insure service dogs, therapy dogs, working dogs (bomb sniffers, narcotic sniffers, etc.), guard dogs, and more. Whether your dog has a bite history or is a breed commonly excluded from homeowner’s coverage, if you are a dog owner and would like some extra peace of mind, turn to XINSURANCE to prevent the risk of personal liability for your pet’s actions.

a pretty black and white border collie dog is sitting

What Is Animal Liability Insurance?

Animal liability coverage protects you in the event of damages or injuries caused by your dog or other pet that you own. Liability insurance is a form of third-party coverage, meaning that it compensates others — not you or members of your household. In addition to compensating victims for medical bills or the cost to repair or replace their property, “dangerous dog” insurance protects you if an injured party decides to sue you. Without it, you could be on the hook for thousands of dollars in damages.

How Does Pet Liability Insurance Work?

Suppose you’re walking your dog and he decides to greet a passerby with a friendly jump. The startled individual then stumbles backward over a lawn ornament and breaks his tailbone. Your animal liability insurance will take care of the medical bills so you won’t have to pay for them out of your pocket. In another scenario, imagine your dog engages in a major excavation project in your neighbor’s yard. Your policy will cover the cost of repairing the damage.

Taking it a step further, if the injured party files a lawsuit, your insurance will cover your legal expenses and any amount awarded by a judge or jury, up to the limits of your policy.

Dog Owner Liability Insurance from XINSURANCE

If you’ve tried to take out liability insurance for your dog e in the past, you may have been turned down for the following reasons:

  • Your dog breed is considered “dangerous.”
  • Your dog has a history of biting.
  • You don’t restrain your dog (with a muzzle, for example) when in public.
  • You haven’t sent your dog to training classes.

At XINSURANCE, we want everyone to have the ability to protect themselves. We’ve built up decades of experience that allows us to provide coverage solutions for clients and circumstances that other insurers avoid. We employ a unique “all-in-one” approach, where we closely assess the owner’s operations and experience levels and use the information to create comprehensive and customized coverage solutions unique to the customer’s requirements. Our dog owner liability insurance solutions provide coverage for all dog breeds, even if your dog has been labeled as “dangerous” and even if other insurers have refused to insure it. From Labradors to Pit Bulls, Chihuahuas to Rottweilers, all breeds are welcome. Even if your dog already has a history of biting, XINSURANCE may still be able to provide dog owner liability insurance solutions.

Our comprehensive coverage includes:

We also provide animal liability insurance coverage solutions for the following types of dogs:

  • ALL breeds (including those considered “dangerous”)
  • Dogs with a bite history
  • Sniffer dogs
  • Therapy dogs
  • Guard dogs
  • Service dogs
  • Guide dogs

What Dangerous Dog Insurance Does Not Cover

Pet liability insurance does not cover damages your dog causes on your property or injuries to you or members of your household. It will not provide coverage for commercial animals, such as breeding, farm or show dogs. If law enforcement orders the impoundment of your animal, your policy won’t cover the related expenses such as boarding and the updating of vaccinations.

What About Animal Liability Coverage Under Your Homeowners’ Policy?

Many dog owners believe that their homeowners’ insurance policy will provide adequate coverage for injuries or damages their pet causes. 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 policies provide no animal liability coverage at all — something that policyholders aren’t aware of until it’s too late.

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

  • Pit Bulls
  • Rottweilers
  • Great Danes
  • Siberian Huskies
  • Wolf Hybrids
  • Akitas
  • Chows
  • Alaskan Malamutes

The right pet liability insurance policy will fill the gaps in your homeowners’ coverage and provide the protection you need.

Please note, our animal liability policy covers bodily injury and property damage to 3rd parties. It excludes bites to the insured or insured’s family and it excludes property damage that the insured owns/rents.


Whether your dog has a bite history or is a breed commonly excluded from homeowners coverage, XINSURANCE will provide you with the insurance solutions you need.

Frequently Asked Questions About Animal Liability Insurance

Below is a list of Frequently Asked Questions (FAQ) we receive about our animal liability insurance solutions. To view, download, or print a PDF version of our FAQ, please click here.

What type of insurance is this?

Animal Liability Insurance, this coverage will protect you in case your animal injures a 3rd party or damages a 3rd party property.

Is my rented or leased apartment covered for property damages if my animal damages it?

No, we do not cover 1st party property damage to any location you own, use, rent, or occupy.

Do you offer pet health insurance?

No, this policy is strictly for liability insurance in case of 3rd party bodily injury / 3rd party property damage.

Do you cover commercial / working animals?

Yes, we can cover any type of scheduled activity when an animal is used for commercial purposes.

Do you cover when my animal is with a sitter or walker?

This policy is meant to cover when your pet is in your care, custody, and control. With additional underwriting, we can consider.

Do you offer insurance in all 50 states?

Yes, although some states have certain guidelines that must be followed in order to offer terms.

Do you offer animal liability insurance for therapy dogs?

Yes, we can offer insurance while doing therapy work including animal-assisted therapy.

Do you only cover certain breed of dogs?

We can cover any breed of dog.

Do you cover exotic animals or poisonous reptiles?

Yes, when legal to own, we can provide an insurance solution.

I am a landlord, how do I protect myself from a claim that may arise from my tenant’s animal?

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 provide this to your tenant for no charge. Also, we can offer you an excess animal liability policy on top of your tenant’s policy and/or even offer our true umbrella policy, for full protection.

Can you cover my dog, even if he has had several bites?

Yes, we believe with the right partner and for the right premium, we can cover any situation.

Do you cover my service animal or emotional support animal?

Yes, we are happy to offer insurance for both ESA and service animals.

Can you list animal control as an additional insured?

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

How long does it take to get a quote?

If online parameters are met, you will receive a quote instantly after completing the application. If the application is sent to an underwriter, you will hear from us within 48 hours to get the quote started.

How long is my quote valid for?

Quotes and quote links are valid for 30 days.

I did not receive an instant quote. Why?

Your application will need to be reviewed by an underwriter. You can expect a call or e-mail with 48 hours. If you need help before then, feel free to call or e-mail.

I did a quote but exited off the website, how do I get back to the quote?

Simple, click the quote link that was previously sent when the quote was originally issued.

How long does it take to complete the online application?

5-10 minutes.

Is there a difference in bronze, silver, gold or platinum options?

The only difference is the amount of insurance carried.

What does SIR mean?

SIR stands for self-insured retention, this is similar to a deductible. You will be responsible to pay the first portion of a claim, aka the self-insured retention portion.

Do you offer financing?

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

What does “base premium” mean?

This is the premium charge only and does not include taxes and fees. To see final pricing, proceed to the payment screen of the quote.

Can I pay for someone else’s policy?

Yes, however, the policy must be in the registered animal owner’s name.

Can I pay over the phone?

No, payments are only accepted via debit or credit card online during the quote process.

Do you accept pre-paid cards as payment?

Yes, only if your address is registered to the card.

How do I create an account online?

Click “log in” from the main screen. Click “click here” to register.

How do I get my policy number?

From a copy of the policy.

How do I get a copy of my policy?

Once your policy binds, and payment has been processed, stay logged in and scroll down on the screen. You will see a copy of the application, quote, credit card receipt, i.d. card if applicable, and policy. You can download, print, save or send any of those items. You will also be sent a copy of the policy within 24-48 working hours.

Do I need to do anything after I purchase the policy?

Yes, please sign and return the policy receipt form.

Does this policy auto renew?

No, the policy does not auto-renew. The insured will be sent 3 reminder emails reminding them of policy expiration. The reminder email contains a link, click the link, start a new application and receive a quote within minutes.

What happens if I cancel my policy?

Typically, policies are 100% minimum earned, meaning no refunds. However, we are open to hearing the reason for the cancellation and considering other options.

Do I have to complete a new application every year?

Yes, we like to make sure all information is kept up to date. Note: the application should only take a few minutes to complete and we are happy to assist with any questions.

What should I do if I receive an error?

Please call us at 877-585-2853 or e-mail with all error code details.

I prefer to speak to a person. Can I call?

Yes, call anytime at 877-585-2853.




According to the Centers for Disease Control and Prevention, about 4.5 million people are bitten by dogs each year and about 885,000 require medical attention for these injuries; about half of these are children. Senior citizens are the second most common dog bite victims.

In 2021, the average cost for a dog bite insurance claim was $49,025

*Stats from Insurance Journal

Dog bites and other dog-related injuries accounted for more than one-third of all homeowners liability claim dollars paid out in 2021, costing $881 million.



Contact XINSURANCE for a Free Quote Today

Getting an animal liability insurance quote from XINSURANCE is fast and easy. After receiving your application for coverage, we’ll set up a phone call with our underwriting team to discuss all aspects of the risk in further detail. We’ll then provide the quote for your consideration.

To get started, request your free quote for animal liability insurance today!

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