K9Guard coverage for tenants
If you are a real estate investor with tenant-occupied properties, you may be at risk of liability claims for injuries caused by your tenant’s dog. For this reason, you might consider suggesting, or requiring, your tenants with dogs to carry a Canine Liability policy. National Real Estate Insurance Group offers K9Guard to help protect your tenant (and you) in the event of such claims.
Renters can purchase this coverage in just a few minutes!
What is covered?
K9Guard Canine Liability provides the following coverages:
- Choice of $10,000, $25,000, $50,000, or $100,000 limit of liability for bodily injury to a third party due to an act by a covered dog
- Subject to a deductible of $2,500
- $1,000 limit of liability for damage to property owned by a third party that occurs on the residence premises as a result of activity of a covered dog ($2,000 policy aggregate)
- Subject to a deductible of $250
- Defense to the insured against any claim or suit seeking damages for the bodily injury or property damage listed above including court costs and judgements (with counsel chosen by the insurance carrier).
What is excluded?
This policy does not extend coverage for the following:
- Injury or property damage caused by a canine owned by the insured, but not listed on the policy schedule
- Losses occurring off the rented premises
- Property damage to the rented premises by the covered dog
- Injury to the insured by their covered dog
- Injury to any dog (including the covered dog)
- Injury or property damage caused by a canine that is banned or restricted by local regulation
Not a complete list, see policy for exclusions.
Download a flyer to share with your tenants here!
K9Guard is offered by NREIG in partnership with InsureMyK9 and Amelia Underwriting. When you click the link to get started, you will be taken to a third party website in a new window.
Coverage is available in the 37 states highlighted in green.
If I have canine liability coverage on my premises liability policy, do I need my tenants to have this coverage?
If you carry your premises liability through NREIG’s Program, your policy does have a sublimit for canine liability. When your tenant carries K9Guard Canine Liability insurance, it acts as primary coverage in the event of an incident as a result of their dog which can help insulate your premises liability policy from cost increases as a result of poor claims history. If the claim exceeds the limits of the tenants’ policy, your premises liability can step in as additional cover.
How much does K9Guard cost?
K9Guard is an annual policy and the cost is dependent on the limit of liability chosen as well as how many dogs are listed on the schedule (a maximum of 4 are allowed on one policy) and their breed(s). Breeds considered “vicious” (Category A) are rated differently. A list of Category A dogs can be found here. A sample cost for non-vicious breed at a $10,000 limit of liability is $110 per year.
Are any dogs excluded from coverage?
No more than two intact (not spayed or neutered) Category A dogs can be scheduled on one policy. If a dog has been involved in a previous incident, is an active Policy dog, or hunting dog, the tenants application may require additional underwriting review.
Category “A” Breeds
- American Staffordshire Terrier
- Belgian Malinois
- Cane Corso
- Chow Chow
- Dogo Argentio
- German Shepherd
- Great Dane
- Giant Schnauzer
- Neapolitan Mastiff
- Pit Bull Terrier
- Presa Canario (Bullmastiff)
- Rhodesian Ridgeback
- Saint Bernard
- Wolf Hybrid
Check out what NREIG has to offer for real estate investors
National Real Estate Insurance Group has property and liability insurance solutions to accommodate just about any type of investment properties. After you request a proposal, an agent will contact you to discuss the best coverages for your business.