What is Animal Liability Coverage?
We all love our furry friends and over time they become a part of the family. But we can’t forget our pets are still animals who sometimes cannot control their behavior. The American Veterinary Medical Association states there are nearly 87 million dogs living in U.S. households. About 4.5 million people are bitten by dogs each year, and most of them are children. To protect your pet and those around them, you should consider obtaining animal liability coverage.
What is Animal Liability Coverage
Animal Liability Coverage can help cover legal and medical expenses for anyone accidentally injured by your pet. Most standard homeowners policies do not include animal liability coverage. However, Florida Peninsula offers animal liability coverage at a minimal cost. This additional coverage provides a $25,000 liability sub-limit and medical payments of $2,000. Please note, certain restrictions may apply and will be noted in your insurance policy. Should you be interested in adding animal liability to your policy, contact your agent.
Why You Should Get Animal Liability Coverage
According to the Insurance Information Institute (I.I.I.), liability claims related to dog bites and other dog-related injuries cost home insurers $1,862 million in 2025 and the number of dog bite claims nationwide increased in 2025 to 28,450 from 22,658 in 2024 - an increase over 25%. The state of Florida also has the second-highest number of animal liability claims, with 2,347 in 2025. Accidents can still happen even with trained dogs. Without coverage, you could face out-of-pocket costs for medical bills, legal fees, settlements, or judgements that can quickly add up to thousands of dollars. It’s important for Florida pet owners to consider this coverage to protect their pets and those around them.
Tips for Preventing Dog Bites
To help prevent dog bites and animal liability claims, follow a few of these tips to keep your family, friends, and pets safe.
· Do not disturb a dog while it is eating, sleeping, or chewing on a toy.
· If you notice a dog is indicating it is uncomfortable and feeling the need to bite, put a safe distance between you and the dog.
· Children are the most common victims of dog bites. Do not leave infants or young children unaccompanied with a dog.
· Practice caution when exposing your dog to new environments.
· If your dog develops aggressive and frightening behaviors, seek advice from your veterinarian.
Frequently Asked Questions
What types of animals are covered under animal liability coverage?
Animal liability coverage is most associated with dogs, but it may also apply to other household pets depending on your policy. Be sure to review your policy details or speak with your agent to confirm what animals are included.
How much does animal liability coverage cost?
Animal liability coverage can be added to your homeowners policy at a low cost of $25 per year with Florida Peninsula Insurance Company.
What should I do if my pet injures someone?
If an incident occurs, seek medical attention for the injured person immediately. Then, contact your insurance agent as soon as possible to report the situation and begin the claims process.
Get Animal Liability with Florida Peninsula
Protect yourself from any liability your furry friend may cause today, call your agent to find out more about this additional coverage. Keeping your family and home safe and protected is Florida Peninsula Insurance Company’s top priority. We are one of Florida's largest homeowners insurance companies offering multi-peril policies covering homes, condos, and renters insurance. To become a Florida Peninsula policyholder get a quote or call us at 877-229-2244, Option 1.