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Animal Liability



While most of us see our dogs as valued members of the family, the sad reality is that they can also be a huge liability. Without warning, even the friendliest dogs can be pushed too far and snap. A playful nip can be read as aggression by those unfamiliar with your four-legged friend. Not to mention the risk of property damage that can come from dogs who love to dig or who suffer from separation anxiety. This is where animal liability insurance can help.

Dogs are one of the leading causes for homeowners’ insurance claims and you can’t always train away your dog’s bad habits. If you have a dog but do not have animal liability coverage, you are opening yourself up to the potential for a difficult lawsuit. XINSURANCE provides a wide range of animal liability solutions including canine liability insurance options you won’t find with most other insurance companies.

We offer dog bite insurance coverage for everything from an overactive Chihuahua to “dangerous breeds” like pit bulls that most companies won’t touch. We also insure service dogs, therapy dogs, working dogs (bomb sniffers, narcotic sniffers, etc.), guard dogs, and more. Whether your dog has a bite history or is a breed commonly excluded from homeowner’s coverage, if you are a dog owner and would like some extra peace of mind, turn to XINSURANCE to prevent the risk of personal liability for your pet’s actions.

a pretty black and white border collie dog is sitting

What Is Animal Liability Insurance?

Animal liability coverage 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. Without it, you could be on the hook for thousands of dollars in damages.

How Does Pet Liability Insurance Work?

Suppose you’re walking your dog and he decides to greet a passerby with a friendly jump. The startled individual then stumbles backward over a lawn ornament and breaks his tailbone. Your animal liability insurance will take care of the medical bills so you won’t have to pay for them out of your pocket. In another scenario, imagine your dog engages in a major excavation project in your neighbor’s yard. Your policy will cover the cost of repairing the damage.

Taking it a step further, if the injured party files a lawsuit, your insurance will cover your legal expenses and any amount awarded by a judge or jury, up to the limits of your policy.

Dog Owner Liability Insurance from XINSURANCE

If you’ve tried to take out liability insurance for your dog e in the past, you may have been turned down for the following reasons:

  • Your dog breed is considered “dangerous.”
  • Your dog has a history of biting.
  • You don’t restrain your dog (with a muzzle, for example) when in public.
  • You haven’t sent your dog to training classes.

At XINSURANCE, we want everyone to have the ability to protect themselves. We’ve built up decades of experience that allows us to provide coverage solutions for clients and circumstances that other insurers avoid. We employ a unique “all-in-one” approach, where we closely assess the owner’s operations and experience levels and use the information to create comprehensive and customized coverage solutions unique to the customer’s requirements. Our dog owner liability insurance solutions provide coverage for all dog breeds, even if your dog has been labeled as “dangerous” and even if other insurers have refused to insure it. From Labradors to Pit Bulls, Chihuahuas to Rottweilers, all breeds are welcome. Even if your dog already has a history of biting, XINSURANCE may still be able to provide dog owner liability insurance solutions.

Our comprehensive coverage includes:

  • Any dog breed
  • Dogs with an existing bite history
  • Pet dogs, sniffers, service dogs, and other types of working dogs
  • 3rd party bodily injury
  • 3rd party property damage

We also provide animal liability insurance coverage solutions for the following types of dogs:

  • ALL breeds (including those considered “dangerous”)
  • Dogs with a bite history
  • Sniffer dogs
  • Therapy dogs
  • Guard dogs
  • Service dogs
  • Guide dogs

What Dangerous Dog Insurance Does Not Cover

Pet liability insurance does not cover damages your dog causes on your property or injuries to you or members of your household. It will not provide coverage for commercial animals, such as breeding, farm or show dogs. 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.

What About Animal Liability Coverage Under Your Homeowners’ Policy?

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 policies provide no animal liability coverage at all — something that policyholders 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. Examples include:

  • 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.

Please note, our animal liability policy covers bodily injury and property damage to 3rd parties. It excludes bites to the insured or insured’s family and it excludes property damage that the insured owns/rents.


Whether your dog has a bite history or is a breed commonly excluded from homeowners coverage, XINSURANCE will provide you with the insurance solutions you need.




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; about half of these are children. Senior citizens are the second most common dog bite victims.

In 2019, the average cost for a dog bite insurance claim was $44,760.

*Stats from Insurance Information Institute (I.I.I.) and State Farm®

Insurers paid out $797 million in liability claims related to dog bites and other dog-related injuries in 2019.



Contact XINSURANCE 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!


XINSURANCE is a proud partner with WelcomeHomeDoggie. WelcomeHomeDoggie is a half-hour talk show about how we are living with our dogs today and about the people that love them. Their mission is to generate buzz into the animal welfare movement and be a platform for the advancement of permanent solutions.

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