Should you take Dog Liability Insurance?

Most of the dog owners understand the importance of dog insurance to provide proper medical care to their dogs in case of illness or accident. As an addition, dog liability insurance can be quite beneficial for providing coverage if your dog bites another person or damages someone’s property. For example, if dog runs in the middle of the road and causes a mishap; then dog owner would be liable to payout all the costs for injuries and damages. 

A simple canine bite can cause high medical bills along with additional money in the lawsuits. Dog liability insurance can help dog owners protecting their personal assets if their dog bites, injures or in worst possibility, kill other person. The intensity of dog attack can get its owner arrested for a specific interval of time.

Benefits of Dog Liability Insurance

Recent surveys showed that only 10% of the dog owners have got dog insurance and this percentage decreases when it comes to dog liability insurance. Basically, these insurance plans include features like coverage against the injuries caused by the dogs and maximum personal liability of $100,000.

This can really help people in saving dog owners’ money. All pets have their own defense mechanism but some dog breeds are more aggressive than others. Larger dog breeds should definitely have the insurance coverage if they have a violent history with high risk behavior. These dog breeds include Chows Chows, Akitas, Dobermans, Great Danes, German Shepherds and Pit Bulls. These dogs have increased tendency of injuring others or damaging other’s properties but at the same time, dog owners should study the behavior of every pet dog. Some Chihuahuas are also known to bite without even being aggravated.

There were 5 million dog bites last year in USA which increased the need to buy dog liability insurance. Dog owners can save thousands of vets’ medical bills and other damages’ costs as coverage under dog liability insurance. This insurance covers injury expenses to the victim bitten or attacked by dogs. Dog owners are entitled to select any amount for the policy coverage but few dog owners go for one million dollars also. 

How to Find the Best Dog Liability Insurance Plan

Dog owners can get dog liability insurance through their private or homeowners’ insurance company. Previously, dog bites was basic part of the liability insurance policies but today, some insurance companies do not offer coverage against the dog bites. Therefore, it becomes mandatory for the dog owners to study the insurance policy cautiously for assessing the coverage aspects. Dog owners should go for the policy which provides coverage for the hospitalization also. Hospitalization is quite costly and it can simply leave the dog owners out of their pocket expenditure. 

dog pet liability insurance

If dog owners have intentionally caused the damage to their third party, then insurance company would not provide coverage for that. All in all, dog owners are supposed to be vigilant and provide strong compliance training their dogs for reducing the likelihood of dog attacks. At the same time, dog liability insurance covers the other unintentional mishaps.

Top Dog Liability Insurance Companies

There are various dog insurance liability insurance providers and some of them are:

Einhorn Insurance Company

Einhorn Insurance Company is known for providing coverage for dangerous and vicious dogs. These dangerous breeds include Chows, Siberian Huskies, Alaskan Malamutes, Rottweilers, Presa Canarios, Wolf-hybrids, Akitas, Doberman Pinschers, Pit Bulls, German Shepherds, Great Danes and their mixed breeds. Their coverage aspects include:-

  • Foster homes
  • Custody, care and control
  • Professional liability
  • Dog bites
  • Damage to the property
  • Addiitonal insureds
  • Hired and non-owned autos

Xinsurance Company

Xinsurance Company provides dog and animal liability insurance. They do not provide coverage for some dog breeds like:-

  • Rottweilers
  • German Shepherds
  • Akitas
  • Pit Bulls
  • Bully Breeds
  • Doberman Pinschers

Animal Welfare Organization Insurance Program (AWOIP)

Like Einhorn Insurance Company, AWOIP is known to cover casualties due to dangerous dog breeds. They also provide insurance for dog bites without considering the dog breed.  

NY Dog Liability Insurance

NY Dog Liability Insurance represents a liberal and worthy approach towards the dog owners. There are Pit Bulls, German Shepherds, Akitas, Doberman Pincers and Rottweilers included in their insurance plans. There are discounts for multi dog insurance where maximum 2 dogs can be insured at a time and liability insurance ranges from $100,000 to $500,000. They have a minimum annual premium rate of $595.


Dog liability insurance is a useful add on to your pets life insurance policy. It is especially recommended if your pet is large and aggressive. There are several companies which provide dog liability insurance, shortlist and select the one which suits your requirements.