Whether you’re moving into a pet-friendly rental or your landlord just asked for a Certificate of Insurance (COI), navigating dog liability coverage can feel overwhelming. This FAQ breaks it down so you understand what’s covered, why it matters, and how to get insured quickly.
From common concerns like breed restrictions and COIs to more advanced topics like landlord requirements and policy limits, we’ve got you covered.
BASIC QUESTIONS
1. What is dog liability insurance?
Dog liability insurance helps pay for injuries or property damage your dog causes. It protects you financially if someone sues you or files a claim.
2. Why do landlords ask for dog liability insurance?
Many landlords want proof you can cover costs if your dog bites someone or damages property. It’s often required to approve your lease.
3. What is a Certificate of Insurance (COI)?
A COI is an official document showing your dog is insured. It lists your name, the policy details, and often your landlord as an additional insured.
4. Can renters buy dog liability insurance?
Yes. Renters can get policies specifically designed to meet landlord requirements. BarkInsured connects you with coverage that includes a COI.
5. Is this the same as pet health insurance?
No. Dog liability insurance covers damage or injury your dog causes to others, not vet bills for your own dog.
6. Do I need insurance even if my dog is well-behaved?
Yes. Accidents can happen, and many landlords require coverage regardless of your dog’s temperament.
7. What types of incidents are covered?
Most policies cover dog bites, scratches, property damage, or injuries to people or other animals caused by your dog.
ADVANCED QUESTIONS
8. Does this insurance cover aggressive or banned breeds?
Some insurance companies exclude certain breeds like pit bulls or Rottweilers. BarkInsured helps you find providers that cover restricted breeds.
9. What is the difference between ‘Additional Insured’ and ‘Certificate Holder’?
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Certificate Holder means the landlord gets a copy of your COI.
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Additional Insured gives the landlord some legal protection under your policy.
Some leases require both.
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10. How fast can I get a Certificate of Insurance (COI)?
Most providers deliver a COI within minutes of purchase. It’s usually emailed as a PDF you can send directly to your landlord.
11. How much does dog liability insurance cost?
Prices vary, but basic plans typically range from $10 to $30 per month depending on your dog, location, and coverage amount.
12. Can I choose the coverage limit?
Yes. Many policies offer $100,000, $300,000, or higher limits. Check your lease to see what’s required.
13. Is this type of insurance required by law?
No. But it’s commonly required by landlords, especially in pet-friendly rentals or condos.
14. What if I already have renters’ insurance?
Standard renters’ insurance doesn’t always include dog liability. Even if it does, your landlord might still require a separate COI.
15. Will my policy cover incidents outside the home?
It depends. Some plans cover incidents only at your rental, while others may include parks, sidewalks, or travel. Check the policy terms.
16. Can I cancel the policy after I move out?
Yes. Most policies are month-to-month or annual and can be canceled with proper notice. Be sure to check cancellation policies before buying.
17. What if my landlord rejects my insurance?
Always verify COI requirements in your lease. If there’s an issue, some providers allow edits to the COI or refunds within a grace period.
18. Do I need a separate policy for each dog?
Yes. Each dog should be listed with accurate breed and behavioral history. Some providers offer multi-dog discounts.
19. What happens if my dog bites someone?
If your dog bites someone and you’re insured, the policy helps pay for medical bills, legal costs, or damage claims—up to the coverage limit.
20. Will the policy cover damage to my own apartment?
No. Liability insurance only covers damage or injuries to other people or their property. Damage to your own rental is your responsibility.
21. Can I use this policy for travel, hotels, or Airbnb?
Some plans include general personal liability that can apply in other settings. If you need travel-friendly coverage, check the policy details before buying.
📌 Still have questions?
We’re building a helpful, renter-first insurance guide. If you need help picking a policy or understanding your landlord’s COI request, [contact us here] or explore our guides on:
