Pet Liability Insurance

For more than 85 million households, pets are loveable additions to the family. But though they might seem like assets to you, your insurance carrier sees your cat or dog more as a liability.

From cat scratches to dog bites, your pets pose a potential risk to everyone who walks through your door. In fact, there are roughly 4.7 million dog bites in the U.S. every year. If this were to happen to you, are you financially prepared for the consequences?

Unfortunately, there is no guarantee that your furry friend will never cause a visitor harm. And if your home insurance policy doesn’t cover pet liability claims, you could find yourself in the dog house.

Beware of Dog sign behind chain link fence

Your Pet Liability Insurance Experts

Too many homeowners make the mistake of assuming their animal is covered by their home or renter’s insurance. While this may be true for some policies, it has become increasingly common for insurance companies to exclude certain breeds or even all animals from liability coverage.

And even when animal liability insurance is included, it may be at a significantly lower limit than your standard liability coverage.

At Harry Levine Insurance, protecting against risk is in our nature.

We’ve spent more than 30 years protecting families just like yours from costly disasters. Our knowledge, customer service, and proactive attitude have helped us become one of Orlando’s top independent insurance agencies.

Pet liability insurance isn't just for "dangerous" dogs.

Meeting Your Pet Liability Needs

Pet liability insurance is an important form of coverage that should never be overlooked.

Florida has the second-highest number of dog bite claims in the country, with an average cost of $55,000 per claim. If your policy has a limit of $25,000 for animal liability claims (or doesn’t cover them at all), you would have to reach into your own pockets in the event your pet causes injury or damage to a third party.

Pet liability insurance covers:

  • Medical care for a third party’s injuries
  • Legal fees in the event you are sued
  • Property damage to a third party’s property
  • Working dogs (such as a guard dog or therapy dog)

Pet liability insurance can be purchased as stand alone coverage or as an add-on to your home or renter’s insurance.

dog looking up at owner

Protection For Your Best Friend

Harry Levine Insurance understands just how important your pets are, but we also understand how risky they can be.

In Florida, dog owners are legally responsible if their dog bites someone, even if the dog has shown no prior history of aggression. If that person has a legal right to be on your property (such as a delivery person or meter reader), your over-protective dog could get you into trouble just by trying to be a good boy.

At Harry Levine Insurance, we know exactly what questions to ask to find the coverage that fits your needs and your budget. Fill out our convenient online quote form to get started or give us a call to learn about the many other ways we can help you.