Animal Liability Coverage For Landlords
Third-party Liability Insurance for Dogs and Other Pets
Get StartedTrue peace of mind for pet-friendly landlords.
Embrace pet-friendly policies without worry. Our animal liability insurance solutions give landlords peace of mind and protects their investment.
Comprehensive Coverage for Tenant-Related Animal Risks
Do you allow your tenants to have dogs or other animals? Do you allow any breed of dog or animal in your rented home? Did you know animal liability is not covered on all policies and that certain breeds of animals may be excluded from your policy? If you allow cats, dogs, birds, lizards, snakes, etc. in your rented home, you may want to find out. XINSURANCE can offer animal liability for landlords and provide insurance solutions for any animal your tenants may call family. If their pet injures a guest or damages someone’s property, that may put your assets on the line. Are you covered properly? Learn more about pet liability insurance for renters.
At XINSURANCE, we specialize in providing tailored insurance solutions that mitigate risk, maximize rental potential, and protect your investment from any unexpected furry mishaps.
Note: Landlords cannot directly obtain animal liability coverage for tenants’ pets. Instead, tenants should secure their own policy and list the landlord as an additional insured. If a landlord wants their own policy, they can then obtain a separate excess policy after confirming the tenant’s coverage includes the specific animal. Tenants do not need a policy from XINSURANCE but it is preferred. Their policy must show proof it covers their pet(s).
Types of Pets Our Animal Liability Insurance Solutions Can Cover
- ANY Dog Breed
- Dogs With a Bite History
- Cats
- Exotic Animals
- Service Animals
- Guard Dogs
- Therapy Dogs and Animals
- Emotional Support Dogs and Animals
- Birds
- Reptiles
- And More!
Animal Liability Insurance Coverage For Landlords
Third-party Bodily Injury Liability
Provides coverage if your pet causes third-party bodily injury.
Third-party Property Damage Liability
Provides coverage if your pet causes third-party property damage.
How To Get A Quote
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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 Animal Liability for Landlords
What is animal liability for landlords?
Animal liability for landlords is a specialized insurance solution from XINSURANCE that protects landlords from potential risks and liabilities associated with allowing pets on their rental property. It provides financial protection if a tenant’s pet causes injury to a person or damage to someone’s property.
Can a landlord be held responsible for a tenant's dog or pet?
Yes, a landlord can potentially be held responsible for a tenant’s dog or pet. The extent of liability may depend on various factors such as awareness of any risks or aggressive behavior by the pet. It is advisable for landlords to consider obtaining pet liability insurance to protect themselves from potential liabilities arising from tenant’s pets.
How much does pet liability insurance for landlords cost?
The cost of pet liability insurance for landlords varies depending on various factors such as the location of the rental property, the number of pets allowed, the type of pets allowed, the animal’s claims history, the coverage limits, and more. It is best to contact XINSURANCE and request a personalized quote to get an accurate estimate.
Does animal liability for landlords only cover dogs?
No, our animal liability insurance solutions can cover a variety of pets, including dogs, cats, birds, reptiles, and exotic animals.
Are certain breeds excluded from pet liability insurance coverage?
Some insurance policies may have breed restrictions or exclusions but here at XINSURANCE, we do not exclude any breeds. We can also help you if your pet has a bite history or claims history.
When is the landlord liable for a dog bite or other injury caused by the tenant's pet?
Each state has different laws but here are some examples of when landlords could be held accountable: (1) they knew the animal was dangerous, (2) they have the ability to remove the animal, or (3) they harbored or kept the tenant’s pet, such as, cared for or had some control over the animal.
More FAQ about animal liability for landlords
To view, download, or print a PDF version of our FAQ, please click here.
What our clients say
“Prompt professional service. They’ve been insuring my dog daughter for several years now and I’ve NEVER had an issue to date. (hope that never changes!) I would highly recommend! My most recent policy was ending during COVID, but they still helped me renew in a timely fashion online, being I was an existing customer. But someone there in the office also always had time to answer any questions on live phone conversations when I needed. Gave thorough explanations and even remembered my name from previous conversations. Very professional! I feel comfortable that my dog is insured through them. I could get a bundled rate with other companies on a renters insurance policy but I’d rather keep renewing with XINSURANCE, I feel more comfortable every year when they complete my policy. Since being a client, I don’t even shop around every year when it comes close to renewal time. I trust their service. No need to worry about looking for a cheaper plan or this or that. The price is extremely fair, competitive and sometimes even cheaper than others. My dog daughter and I are good where we are!” [SIC]
– Jason King
“They were the only place that I could get the insurance I needed to save my dog’s life. Tyson Lindsey put up with a barrage of emails and calls from me, handled them with extraordinary patience, and was just generally fantastic. From the point of view of someone who previously worked in insurance, I know how difficult it can be to place certain risks, and honestly I’ve never had a better, easier experience with a company that insures had to place risks.” [SIC]
– Megan Sacks
“So far, we are very pleased. Trying to find insurance, for our dog, has been near impossible. She is a Australian/German Shepard mix, and considered a “vicious breed”. The only thing she wants to do is play wit hher ball, and lick you to death. XINSURANCE was the only one that would cover her for liability, that we could find.” [SIC]
– Susanne Meeson
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 animal liability insurance solutions that can cover any pet, any dog breed (even the “dangerous breeds”), regardless of bite history or claims history.
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.
