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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.
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, in the United States, the average cost per dog bite claim in the 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.
Provides coverage if your pet causes third-party bodily injury.
Provides coverage if your pet causes third-party property damage.
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:
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.
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.
To view, download, or print a PDF version of our FAQ, please click here.
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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.
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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, you should hear from us within 48 hours to get the quote started.
Quotes and quote links are valid for 30 days.
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.
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.
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.
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.
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.
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.
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.