Liability Insurance for Pet Owners: Big Protection for $25 a Year

Adding a pet to your home is a joyful moment. The decision itself can take time – goldfish or hamster?, kitten or puppy? – but once you lock eyes with the one that steals your heart, the choice is easy.

Owning a pet comes with responsibilities beyond food bowls and long walks. One of the most important is protecting your household financially if your pet accidentally injures someone or damages their property. This is where liability insurance for pet owners comes in.

What Is Liability Insurance for Pet Owners?

Many home and condo insurance policies include personal liability coverage, but injuries or damage caused by pets may be limited or excluded. Liability insurance for pet owners is an optional add-on to help fill this gap.

Edison offers animal liability coverage on eligible home and condo policies for just $25 a year – an affordable way to add protection where many policies fall short.

Real-World Scenarios Where Pet Liability Coverage Helps

Most pet owners never expect to face a liability claim, but many everyday moments, like those listed below, can turn into costly situations without warning:

• Your dog knocks over a neighbor who enters your yard to retrieve a ball. Medical bills follow.

• Your cat scratches a visiting friend badly enough to require urgent care.

• Your pet slips out the front door and causes a bicyclist to crash.

• Your dog damages a delivery driver’s equipment during a delivery.

These are the moments pet owners never expect – and exactly where liability insurance for pet owners helps protect your finances.

What This Coverage Helps Protect

Liability insurance for pet owners is designed to help with costs related to:

• Bodily injury claims involving your pet

• Property damage caused by your pet

• Legal expenses connected to covered incidents

Coverage eligibility varies, which is why reviewing your policy with your agent matters.

How to Make Sure You’re Covered

When reviewing your policy, talk with your agent about:

• The pets currently in your household

• Any policy exclusions that may apply to you

• Whether adding liability insurance for pet owners makes sense for your situation

For just $25 a year, this add-on can provide valuable financial protection for families with pets.

FAQs: Liability Insurance for Pet Owners

Pet-related claims can be confusing. These quick answers address the questions Edison agents hear most often from pet owners.

Does this replace my personal liability coverage?

No. It works alongside your existing liability coverage to help address pet-related incidents otherwise limited or excluded from your home or condo policy.

Does it apply only inside my home?

Coverage generally follows you, not just your address. Ask your agent how off-property incidents may be handled.

How much does liability insurance for pet owners cost?

Edison offers this coverage for just $25 a year on eligible home and condo policies.

Do I need this if my pet has never caused a problem?

Even the calmest pets can act unpredictably. This coverage is designed for everyday accidents that could happen with any pet.

Protect Your Home, Family, and Pets

Pets bring joy, companionship, and unconditional love – but they also bring responsibility. Liability insurance for pet owners is a simple, affordable way to protect your family from the financial fallout of an unexpected incident.

Talk with your Edison agent today about adding this coverage to your home or condo policy. For just $25 a year, the peace of mind it offers is hard to pass up.

If you’re not yet insured by Edison Insurance Company, it’s not too late – get a quote online now. 

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