A Certificate of Insurance (COI) for dog owners is a one-page document that proves you have active dog liability insurance coverage. It summarizes the key details of your policy, including the type of coverage, policy limits, and effective dates. If you’re a renter with a dog, especially a breed considered high-risk by landlords, this certificate is often required before you can sign a lease or move in.
The COI acts as official proof that you carry insurance in case your dog causes injury to a person or damage to someone’s property. It can help ease landlords’ or property managers’ concerns about accepting pets on the premises.
Why Landlords Ask for a COI from Dog Owners
Landlords face potential liability if a tenant’s dog injures someone on the property. Even if the dog has no prior history of aggression, some breeds are considered higher risk. In some cases, landlords may be held partially responsible if an incident occurs and the tenant doesn’t have insurance.
This is why many property managers and landlords now request a certificate of insurance as part of the rental application process. They want written confirmation that your dog liability insurance is active and that they will not be left responsible for a costly claim. A COI can also reassure them that you take pet ownership seriously and have taken steps to reduce risk.
What’s Included in a Dog Liability Certificate of Insurance?
The COI typically includes the following details:
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Name of the insured (you, the dog owner)
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Name of the insurance carrier
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Policy number and effective dates
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Type of coverage provided (such as personal liability or animal liability)
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Coverage limits, including the maximum payout per incident
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Additional insured section if required (for example, listing the landlord or property manager)
This document is not the full insurance policy—it is a summary designed to give landlords a snapshot of your coverage.
When Renters Should Provide a COI
If you are applying to rent a home, apartment, or condo and you own a dog, especially one that’s on a breed restriction list, your landlord might ask for this document before approving your application. Some landlords also request it annually at lease renewal or if there are changes to your policy.
To stay ahead of potential roadblocks, it’s smart to secure dog liability insurance as soon as you begin your housing search. That way, if a landlord asks for proof, you can quickly provide your COI for renters.
How to Request a COI for Your Dog Liability Insurance
After purchasing a dog liability insurance policy, you can typically request a certificate of insurance from your insurer or agent. Most providers allow you to do this online or by phone. The document can often be downloaded instantly or emailed within one business day.
If your landlord wants to be listed as an additional insured, you’ll need to let your insurance provider know. This adds the landlord’s name to the COI and shows that they are included in the coverage for certain liability claims. This step may help satisfy stricter leasing requirements.
What Happens If You Do Not Have a COI?
Without a COI, many landlords may reject your rental application, especially if your dog falls into a restricted breed category. Even if the lease is approved, failing to show proof of insurance can violate pet policies and lead to eviction or denial of lease renewal.
In some jurisdictions, failing to carry dog liability insurance can also increase your financial risk. If your dog bites someone or causes property damage and you are uninsured, you may be personally liable for legal fees, medical bills, or damages.
Benefits of Having a COI as a Dog Owner
A COI gives you peace of mind. It not only helps you meet lease requirements, but it also shows that you’re prepared and responsible. For dog owners renting in cities or states with stricter pet policies, it can be the difference between getting approved for housing or not.
It also protects you financially. Dog-related incidents can be expensive. Even if your dog has never shown aggression, accidents can happen. Having a COI means you are covered, and that coverage can follow you wherever you move next.
Final Thoughts
Whether you are moving into a new rental or renewing an existing lease, having a certificate of insurance for your dog shows landlords that you are a responsible tenant. It also gives you peace of mind knowing you’re covered in case something goes wrong.
If you’re a renter and own a dog, especially one considered a high-risk breed, securing dog liability insurance and getting a COI for renters is a smart and proactive step. It protects your housing, your wallet, and your pet. BarkInsured.com is building a self-serve resource to help you get the coverage and documentation you need—quickly and affordably.
