Liability Insurance for Pets

What is the policy on dog liability insurance? Does homeowner insurance cover dog liability, and if it does, are there only certain types of dogs covered?


Every insurance company will have their own policy on insuring dogs. Some insurance policies will automatically exclude all pets. Some will include most "house pets" but may exclude exotic animals or specific breeds. Do keep in mind that if you own an animal that is considered a "dangerous" breed, your pet could very likely be excluded from coverage for liability under your homeowner policy.


Your best bet is to read the fine print on your policy. If you have any questions, call your insurance agent or your insurance company's customer service line directly.


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