Pet Liability Insurance in Florida is a specialized insurance policy that protects pet owners from financial liability if their pet causes injury to a person or damages someone else’s property. This coverage is especially important in Florida, where certain breeds are often excluded from standard homeowners or renters policies, and where legal claims related to dog bites and pet-related incidents are common. This can be added on as a rider to an existing homeowner’s or renter’s insurance policy or purchased as a standalone policy.
Why Should You Get Pet Liability Insurance?
Pet liability insurance is a must for responsible pet owners if your pet has a history of aggressive behavior or for any or all of the following reasons.
Strict Pet Liability Laws
Florida has strict pet liability laws (Florida Statute §767.04 ), which hold pet owners automatically responsible if their dog bites someone, regardless of their history.
Insurance Restrictions for Certain Dog Breeds
Many Florida insurance companies exclude certain breeds identified as “high risk.” These include:
- Akitas & Chows
- Dobermans
- German Shepherds
- Pit Bulls
- Rottweilers
- Wolf Hybrids
Pet liability insurance can provide coverage even if your standard policies exclude your dog based on its breed.
HOA and Rental Property Rules
Landlords often require pet liability coverage for tenants with pets. Some HOAs have strict dog breed restrictions or require pet owners to have pet liability requirements to protect other HOA members.
What Does Pet Liability Insurance Cover?
Pet liability insurance provides coverage against the following claims:
- Medical Expenses– Covers medical expenses and/or vet bills if your pet injures another person or pet.
- Legal Costs– Pays attorney costs, court fees, and settlements if you get sued because of your pet’s actions.
- Property Damage– Provides coverage for repair costs resulting from exterior damage to other people’s property, such as fences, gardens, or landscaping. Some pet liability plans may cover damage to your own property and possessions resulting from pet ownership.
Need Pet Liability Insurance? Let the Mizrahi and Garris Insurance Agency Provide It.
You have many options when selecting an insurance agency, so why choose Mizrahi and Garris? Consider these reasons:
- Clear Understanding of Rental and HOA-Specific Pet Liability Coverage Requirements–We have many HOA and property management clients, so we understand what these customers look for in pet liability coverage.
- Over 20 Years of Local Insurance Experience—We’ve been protecting our Jacksonville area insurance clients, including customers in the 32034, 32080, 32081, 32082, 32084, 32085, 32223, and 32259 zip codes (and surrounding areas) in good times and bad. We know the area inside and out and the challenges our customers face.
- Excellent Google Reviews—We pride ourselves on providing world-class insurance coverage and superior customer service, but don’t take our word for it. Check out the Google Reviewsfrom our satisfied customers.
- Fantastic Insurance Agents–We are not just insurance agents. We are pet owners and lovers as well. We want to keep you and your pets protected. We will guide you through the insurance quoting process, advocate for you during the claims process, and support you with the proper pet liability coverage.
- Independent Insurance Agency–As an independent insurance agency, we can work with many different insurance providers to find the best protection plan to meet the needs of you and your pet.
- Free No-Obligation Insurance Quote–Connect with us for a free, no-obligation quote. We’ll help you find a protection plan perfectly customized to your needs. Call us at (904) 262-9202 or click the “Free Quote” to talk to an insurance expert today.