Renting with a dog? If your lease or landlord requires dog liability insurance, you will likely be asked to provide a Certificate of Insurance, or COI for short. This document proves you have the right insurance in place and shows exactly what is covered, for how much, and who is protected.
But not all COIs are created equal. If you are not careful, your certificate might get rejected for missing a key detail, delaying your move-in or putting your lease at risk. That is why we created this easy-to-follow dog COI checklist for renters. Whether you are applying for a pet-friendly apartment or renewing a lease, this guide will help you double-check every required item before submitting your paperwork.
What Is a Certificate of Insurance (COI) for Dogs?
A Certificate of Insurance (COI) is a summary document provided by your insurance company. It confirms that you have an active dog liability policy and outlines the core coverage details. Think of it as a proof-of-coverage snapshot—it is not the full policy, but it is often all landlords need.
If your lease includes pet clauses or breed restrictions, your landlord may require this document before final approval. The COI acts as peace of mind, showing that any dog-related damage or injury is covered under your renters dog insurance.
Why Landlords Ask for a COI
Landlords are focused on protecting their property and liability. Dog-related incidents like bites, scratches, or property damage can lead to costly claims. By asking renters to show a COI, they can confirm that:
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Your policy is active and current
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Your dog is covered for third-party liability
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They (the landlord or property manager) are listed as an Additional Insured
Providing this up front makes you a more confident, responsible applicant, especially in apartments that limit dog breeds or require extra paperwork.
Dog COI Checklist for Renters
Before you send off your certificate, use this checklist to verify it includes all the key items landlords typically look for. Print it out or save it to your phone; it will help you avoid last-minute surprises.
✅ 1. Named Insured (Policyholder)
Make sure the COI clearly lists your full legal name as the insured party. It should match the name on your lease application.
Why it matters: Landlords need to confirm the policy belongs to the actual tenant, not someone else.
✅ 2. Dog Liability Coverage
Look for a section that mentions dog liability, animal liability, or pet liability coverage. This confirms that your policy includes protection for third-party injuries or damages caused by your dog.
Bonus: If your dog’s breed is restricted, double-check that there is no breed exclusion listed.
✅ 3. Coverage Amount
The COI should include your liability coverage limit—usually $25,000 to $300,000 or more. A higher limit gives landlords more confidence in case of a serious claim.
Tip: Some landlords require a minimum limit. Common minimums are $100,000 or $300,000.
✅ 4. Effective and Expiration Dates
Check that the COI clearly shows the policy start and end dates. Your lease may require an active policy for the entire term.
Note: If the COI is for a short-term rental, make sure the dates align with your move-in and lease dates.
✅ 5. Additional Insured
Many landlords want to be named as an Additional Insured. This gives them limited protection under your policy if a claim involves their property.
Where to look: The landlord’s name and address should appear under the “Certificate Holder” or “Additional Insured” section.
✅ 6. Description of Operations
Some COIs include a “Description of Operations” field. This may mention your dog, the rental address, or the landlord’s name.
Optional but helpful: If your landlord requires it, make sure this field clearly describes the property or rental situation.
✅ 7. Insurance Company Contact Info
The document should include the name and contact info of the issuing insurance company or agent. This is how a landlord verifies your policy if needed.
✅ 8. Policy Number
Your COI should list a valid policy number. This is how landlords confirm your coverage if they follow up with the insurer.
✅ 9. Signature or Seal
Check that the COI has been officially signed or issued. Some digital versions may also include a certification seal or verification code.
Bonus: Attach Your Lease Pet Addendum
If your lease includes a Pet Addendum or specific pet policy, attach a copy when you submit your COI. This helps landlords match your insurance document with their property rules.
Final Tips for Submitting Your Dog COI
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Submit early. Do not wait until the last minute—reviewing and approving COIs can take time.
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Send a digital PDF. Most landlords prefer an email copy of your COI in PDF format.
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Be proactive. If something is missing or unclear, follow up with your insurance provider quickly.
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Keep a backup. Save a copy of the final approved COI for your own records.
Wrapping Up
Having a dog should not hold you back from landing a great rental. By using this COI checklist, you can make sure your certificate meets the landlord’s requirements the first time. It saves you time, reduces stress, and shows property managers you are responsible and prepared.
Need help understanding dog liability insurance or getting your COI fast? We’re building a self-serve guide for renters like you, so you can protect your lease and your pet with confidence.
