Every U.S. state handles dog bite liability differently. Some use strict liability rules, and others follow a one-bite policy. This matters if you rent with a dog, as landlords may require proof of insurance based on local laws. Use this guide to see how your state handles dog bite claims and what kind of coverage you may need.
California
California enforces strict liability laws, making dog owners automatically responsible for bites—even on the first incident. Many landlords require renters to show proof of dog liability insurance.
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Florida
Florida applies strict liability but may reduce compensation if the dog was provoked. Landlords commonly request a Certificate of Insurance for dogs.
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Ohio
Ohio enforces strict liability and has additional breed-specific laws, including restrictions on pit bulls. Renters often need dog liability insurance to meet lease requirements.
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Texas
Texas follows a “one-bite” rule, meaning owners may not be liable unless they knew the dog was dangerous. Renters should still consider coverage if required by the lease.
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New York
New York uses a hybrid model—strict liability applies to dangerous dogs, while negligence applies in other cases. NYC landlords frequently ask for proof of insurance.
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Illinois
Illinois follows strict liability, making dog owners responsible regardless of the dog’s past behavior. Renters often need insurance documentation before moving in.
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Pennsylvania
Pennsylvania applies strict liability for medical costs, while other damages may require proof of negligence. Renters are often asked to provide a Certificate of Insurance.
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Georgia
Georgia uses a modified one-bite rule, placing liability on owners who knew or should have known the dog was dangerous. Some counties also restrict certain breeds.
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Arizona
Arizona has strict liability laws for dog bites, meaning the owner is responsible regardless of the dog’s history. Many property managers require dog liability insurance from renters.
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North Carolina
North Carolina applies negligence standards but has strict liability rules for dogs previously labeled as dangerous. Renters with dogs may need to provide a COI for approval.
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