As a pet owner in Arizona , your dog may be part of the family—but did you know that some homeowners insurance policies won’t cover dog-related incidents? This is where the Canine Liability Exclusion comes into play, and it's something every homeowner—especially in cities like Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler —should understand.

At Riseson Insurance , we help homeowners across Arizona navigate these exclusions so you're not caught off guard when it matters most. Here's what you need to know.

A Canine Liability Exclusion is a clause in a homeowners or renters insurance policy that specifically excludes coverage for damages or injuries caused by a dog. This means that if your dog bites someone or causes property damage , your insurance won’t pay for medical bills , legal fees, or settlements—leaving you financially exposed.

Insurance companies may add this exclusion for a variety of reasons:

Certain breeds are considered "high-risk" Previous dog bite claims Lack of training or behavioral issues

Commonly excluded breeds include Pit Bulls, Rottweilers, German Shepherds, and Doberman Pinschers, though it varies by insurer.

Dog bite claims are common and can be very costly—averaging over $50,000 per claim in the U.S., according to industry data. In Arizona, where many homes have dogs, understanding your liability is crucial.

Cities like Phoenix and Tucson have strict leash laws, and homeowners in Tempe, Gilbert, Chandler, and Scottsdale often face HOA regulations that may also impact pet ownership. If your dog is involved in an incident, a canine liability exclusion could leave you unprotected in a lawsuit.

Review Your Policy : Look for any mention of “animal liability” or “canine exclusion.” Consider Dog Liability Coverage: If your current policy excludes dog-related incidents, ask about dog liability add-ons or umbrella insurance. Work With a Local Agent : A local agent understands Arizona laws and local insurer preferences.

At Riseson Insurance , we help homeowners across Arizona understand their coverage, including canine liability risks. Whether you live in Tempe, Phoenix, Scottsdale, Tucson, Gilbert, or Chandler, we’ll help you find the right policy that includes the protection your family (and your dog) deserves.

Call us today at 602-460-5470 to review your homeowners policy or get a free quote.

What Is a Canine Liability Exclusion?

Why Do Insurers Include This?

How This Affects Arizona Homeowners

How to Protect Yourself

Why Work With Riseson Insurance?

• Certain breeds are considered "high-risk"
• Previous dog bite claims
• Lack of training or behavioral issues

1. Review Your Policy : Look for any mention of “animal liability” or “canine exclusion.”
2. Consider Dog Liability Coverage: If your current policy excludes dog-related incidents, ask about dog liability add-ons or umbrella insurance.
3. Work With a Local Agent : A local agent understands Arizona laws and local insurer preferences.