Animal Liability Insurance

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.

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.

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.

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.

Yes, when legal to own, we can provide an insurance solution. You can see more details on our Exotic Pet Liability Insurance page. We’ve specifically designed coverage to protect owners of a wide range of non-traditional pets. Check out our blog to better understand the risks of exotic pet ownership.

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

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.

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.

It provides crucial protection for dog 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’re covered!

5-10 minutes.

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.

Quotes and quote links 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 a phone call or e-mail.

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

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.