Animal Liability Insurance Coverage: What You Need To Know in 2023

What Is Animal Liability Insurance?

Animals are beloved companions and family members and, like any other family member, they can be unpredictable and can sometimes cause property damage or injury to others. Animal liability insurance, also known as pet liability insurance, is a type of coverage that helps to protect pet owners from financial losses due to the actions of their animals. It’s important to note that animal liability insurance does not cover damage or injury caused by a pet that is owned by someone else.

What Does Animal Liability Insurance Cover?

Animal liability insurance can help to cover medical expenses, legal fees and other costs associated with an incident caused by your pet. Depending on your policy, it may also cover property damage caused by your pet, damage to other people’s property, or lost wages due to an incident. Animal liability insurance policies can vary greatly in terms of coverage, so it’s important to read through your policy carefully.

Who Needs Animal Liability Insurance?

Anyone who owns a pet may want to consider purchasing animal liability insurance. It’s particularly important for those who own breeds of dogs that are known to be more aggressive, such as pit bulls, Rottweilers, and Dobermans. Animal liability insurance can also be beneficial for those who own exotic animals, such as snakes, lizards, and birds, since they may be more likely to cause damage or injury to people.

How Much Does Animal Liability Insurance Cost?

The cost of animal liability insurance varies greatly depending on the type of animal, the breed, and the coverage limits. Generally, premiums range from a few hundred dollars to a few thousand dollars per year. The type of coverage and the amount of coverage will also affect the overall cost. It’s important to shop around and compare quotes from different insurers to get the best deal.

How To Get Animal Liability Insurance Coverage

If you’re looking for animal liability insurance, the first step is to contact your current homeowner’s insurance company. Many companies offer animal liability coverage as an add-on to your existing policy. You can also shop around and compare quotes from different insurers to find the best coverage and the best rate. It’s important to read through the policy carefully to make sure that you understand what is and isn’t covered.