Animal Liability Insurance

Third-party Liability Insurance for Dogs and Other Pets
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We all want to take the best care of our pets - and that means understanding all the possible risks and securing the best liability insurance.

Even the most beloved, well-behaved pets can be pushed to react without warning – and a playful nip can be read as aggression by those unfamiliar with your four-legged friend. These insurance claims can be costly. For true peace of mind, XINSURANCE provides animal liability insurance solutions that can cover any pet, any dog breed (even the “dangerous breeds”), regardless of bite history or claims history.

What is Animal Liability Insurance?

Animal Liability Insurance 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. Dog bites are a common reason behind insurance claims so without it, you could be on the hook for thousands of dollars in damages. In fact, the average cost per dog bite claim in the United States increased 31.7% in 2022 to $64,555 from $49,025 in 2021.

Your animal liability insurance policy can cover legal expenses and any amount awarded by a judge or jury, up to the limits of your policy.

Types of Pets Our Animal Liability Insurance Solutions Can Cover

  • ANY Dog Breed
  • Service Dogs and Animals
  • Narcotic Sniffers
  • Guard Dogs
  • Therapy Dogs and Animals
  • Bomb Sniffers
  • Dogs With a Bite History
  • Emotional Support Dogs and Animals
  • Breeds Considered “Dangerous”
  • And More!
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Animal Liability Insurance Coverage

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.

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Want to Bundle This Coverage with More?


Our TRU Umbrella plan allows you to consolidate your coverage needs into one, fully custom plan. Enhance your protection and fill the gaps with XINSURANCE TRU Umbrella.
Learn More

FAQ About Animal Liability Insurance

What does animal liability insurance not cover?

Please note, our animal liability policy covers bodily injury and property damage to 3rd parties. Pet liability insurance does not cover damages your dog causes on your property or injuries to you or members of your household.

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.

This insurance does not function as pet health insurance.

As a landlord, how do I protect myself from a claim against 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 TRU Umbrella solution, for full protection. You can learn more on our Animal Liability Insurance for Landlords page.

Is the animal liability coverage from my homeowners policy enough?

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 homeowners policies provide no animal liability coverage at all — something that 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, as well as for “dangerous” breeds with a reputation for aggressiveness or the ability to produce large bites.

What are examples of “dangerous” dog breeds?

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, there are several dog breeds that may bite more often than others. Keep in mind, however, that large dogs are cited more often because they’re capable of inflicting 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
  • 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.

Do you cover exotic animals or poisonous reptiles?

Yes, when legal to own, we can provide an insurance solution. You can see more details on our Exotic Pet Liability Insurance page.

Do you cover when my pet 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.

Can you list animal control as an additional insured?

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

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

No, we do not cover 1st party property damage to any location you own, use, rent, or occupy.
For more details, visit our Animal Liability for Tenants and Renters page.

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To view, download, or print a PDF version of our FAQ, please click here.

How To Get A Quote

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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

Contact Us 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!

FAQ About Getting Your Animal Liability Insurance Quote

How long does it take to complete the online application?

5-10 minutes.

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, we will get back to you as soon as possible to get the quote started.

How long is my quote valid for?

Quotes and quote links are valid for 30 days.

Why didn't I receive an instant quote?

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 a phone call or e-mail.

What should I do if I receive an error or have questions?

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

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.

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Know the Facts

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.

In 2022, the average cost for a dog-related injury claim increased 28%. The average cost, on a per claim basis, increased 32% year-on-year, reaching $64,555.

Dog bites and other dog-related injuries accounted for more than one-third of all homeowners liability claim dollars paid out in 2022, costing $1.3 billion.

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