If you are a dog owner living in Florida, understanding your legal responsibilities and insurance options is not optional—it is necessary. Florida’s dog bite laws are strict, and renters or homeowners with certain breeds can face additional challenges when it comes to finding housing and coverage. This guide breaks down the key points of Florida dog bite liability, how insurance fits into the picture, and what to expect if you own a breed that is often labeled aggressive.
Strict Liability for Dog Bites in Florida
Florida follows a strict liability rule when it comes to dog bites. This means that as a dog owner, you are legally responsible if your dog bites someone, even if it is the first time, and you had no reason to believe the dog was dangerous. The injured person does not need to prove negligence. The fact that your dog bit someone is usually enough to hold you liable.
This rule applies whether the bite happens on your property or in a public place. However, there are some exceptions. If the victim was trespassing, teasing the dog, or breaking the law at the time of the incident, liability may be reduced or eliminated.
Why Dog Liability Insurance Matters in Florida
Due to Florida’s strict liability law, dog owners can be held financially responsible for medical bills, lost wages, and legal costs if their dog injures someone. This is where dog liability insurance comes in.
This type of insurance helps cover claims if your dog bites someone or causes property damage. It is especially useful if you own a breed that is often excluded from standard homeowners or renters insurance. Coverage can be added through a separate liability policy or umbrella coverage, depending on your situation.
Banned Breeds and Housing Rules in Florida
Although Florida does not have a statewide ban on any dog breeds, many individual landlords, property managers, and homeowners associations (HOAs) do. These rules often target breeds such as:
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Pit Bulls
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Rottweilers
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Dobermans
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German Shepherds
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Huskies
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Wolf Hybrids
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Mastiffs
If you own one of these breeds, you may be required to provide proof of dog liability insurance to secure a lease or HOA approval. This proof is typically a Certificate of Insurance (COI).
What Is a COI and Why Is It Required?
A Certificate of Insurance (COI) is a document from your insurance provider that shows you have liability coverage for your dog. For Florida renters or homeowners with restricted breeds, this certificate is often a condition for moving in or renewing a lease.
A good COI should include:
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Your name and address
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Name and description of your dog
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Policy limits and effective dates
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Clear language showing that dog liability is covered
Landlords may also request to be listed as an additional insured on the certificate, which gives them legal protection in case a claim is made.
Insurance Tips for Renters in Florida
If you are renting with a dog in Florida, especially a breed that could be considered high-risk, follow these tips:
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Ask upfront if the landlord has breed restrictions.
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Secure dog liability coverage before signing the lease.
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Request a COI from your insurance provider that clearly outlines your coverage.
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Provide a copy of the COI with your lease or pet addendum.
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Renew coverage annually and send updated COIs to your landlord or property manager.
By being proactive, you can avoid delays or rejections and maintain a good relationship with your landlord.
What Florida Homeowners Should Know
Homeowners in Florida should also be aware that their standard homeowners policy may not cover dog bites, especially if the dog has a history of aggression or belongs to a so-called banned breed. It is important to check with your insurance provider and consider a separate dog liability policy if necessary.
Additionally, if you plan to sell or rent out your home, you may be held liable for any incidents that occur on the property. Having clear proof of insurance is one way to protect yourself legally and financially.
Final Thoughts
Florida’s strict dog bite laws place serious responsibility on pet owners. Whether you rent or own, having the right insurance and documentation is key, especially if your dog is on a restricted breed list. Dog liability insurance offers peace of mind and financial protection if something goes wrong.
Landlords and property managers in Florida are increasingly asking for Certificates of Insurance, so do not wait until it is too late. Protect your lease, your home, and your dog by getting covered now.
