What You Need to Know

Pets are part of the family-but when something goes wrong, like a dog bite or property damage, homeowners may be surprised to learn how their insurance responds. If you have a dog or other animals on your property, it’s important to understand how your homeowners insurance policy treats pet liability.

What Is Pet Liability?

Pet liability refers to your legal responsibility if your pet injures someone or damages their property. This most commonly applies to dog bites, but it can also include other incidents, such as a pet knocking over a guest or damaging a neighbor’s fence.

Does Homeowners Insurance Include Pet Liability?

In many cases, your homeowners insurance policy can help cover liability claims related to your pet. This typically falls under the personal liability section of the policy. However, there are important limitations and exclusions to be aware of.

Breed Restrictions and Exclusions

Some insurance companies may exclude certain dog breeds from coverage due to perceived risk. Breeds often restricted or excluded may include:

• Pit Bulls
• Rottweilers
• Doberman Pinschers
• German Shepherds
• Wolf hybrids

Even if your dog is well-trained and has no history of aggression, these exclusions can still apply. It’s a good idea to check with your insurance agent to see how your policy handles breed-specific rules.

What’s Typically Covered?

If your policy includes pet liability, it can help cover:

• Medical expenses for injured parties
• Legal defense costs if you’re sued
• Settlements or judgments

This coverage usually applies whether the incident occurs at your home or off your property, such as in a public park.

When Pet Liability May Not Be Covered

Your policy may not help cover pet-related liability if:

• The pet is excluded by breed
• The incident involves a history of aggression or prior claims
• The animal is considered exotic or prohibited by local laws

If your homeowners policy does not include pet liability, or if you want additional protection, you might consider a personal umbrella policy, which can help provide extra liability coverage beyond your home policy limits.

How to Help Minimize Pet Liability Risks

• Train your pet and reinforce good behavior
• Secure your yard with proper fencing
• Supervise your pet around guests and children
• Post warning signs if appropriate (e.g., “Dog on Premises”)

Being proactive not only helps prevent incidents but can also demonstrate responsible pet ownership if a claim arises.

Talk to an Agent About Your Pet Liability Coverage

If you’re unsure whether your homeowners policy includes pet liability, or if you’ve recently brought a new pet home, it’s a good time to review your coverage. Every insurance policy is unique, so it’s crucial to review your specific policy documents to understand the details of your coverage regarding pet liability. Our team at Robins Insurance can help answer your questions and explore your options.

If you have any questions, call or contact Robins Insurance today.