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Guard Dog Insurance, Security Dog Insurance: Quotes & More

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A guard dog can help keep you and your belongings safe even in the dead of the night, but there is a certain amount of liability that comes with keeping a guard dog. If your guard dog ends up injuring someone, even if they’re in the wrong, you may end up on the receiving end of a pricey legal battle.

If you’d like to ensure that you’re covered, you can find guard dog insurance coverage available from a range of different providers, as surely as you can get your hands on human security guard insurance. Throughout this guide, we’re going to explore security dog insurance cost as well as the different policies you can opt for.


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Guard Dog Liability Insurance

When shopping for the best protection dog insurance, you’ll first want to consider the kind of coverage you’re looking for. There are plenty of different types of coverage you can get for your dog, including veterinary insurance that will pay out for any of your pet’s medical bills.

However, when someone’s searching for liability insurance, that typically means that they want to be covered in case their dog causes them legal liability. This typically happens when your dog attacks someone, but it can also kick in if your dog ends up damaging someone else’s property.

For example, if your dog chews up a neighbor’s fence in frustration, guard dog liability insurance will ensure that you don’t have to pay for it out of pocket. Of course, this will also apply to any medical bills that someone has to pay off as a result of your dog’s attack.

Keep in mind that guard dog liability insurance tends to be a little more expensive than liability insurance for a typical pet. This is because guard dogs are trained to be more dangerous than your typical pet, and because guard dogs are usually breeds that have a higher level of bite force.

General Liability Insurance for Guard Dog Companies

There are two kinds of business insurance for guard dog companies, and the first of them is general liability insurance. General liability coverage tends to be the more expensive option of the two because it provides you with a wider range of coverage than a public liability policy.

General liability coverage will protect you from damages incurred to a wider range of potential people. While a public policy might only apply to members of the public, general liability coverage could also cover employees of a guard dog business, customers, and potentially even the owner of a guard dog.

Public Liability Insurance for Guard Dog Companies

Public liability coverage for guard dog owners tends to be a lot more affordable than general coverage, and it is the most common option of the two because of that. While public liability coverage won’t protect you from the widest possible range of events, it will protect you from the most common ones.

For example, if your dog ends up biting someone that you’re passing by on the street, then you’ll end up getting covered by a public policy. Much like general liability coverage, public liability insurance can be taken out by a private guard dog owner or a business that trains and sells guard dogs.

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Guard Dog Insurance Cost

Generally, the average security dog insurance cost in America is about $35 per month, or $410 per year, on average, for standard general liability insurance policies.

While rates may vary depending on the specific guard dog business, please find some average guard dog insurance costs from some of the leading guard dog insurance companies and providers:

CompanyCost per monthCost per year
XINSURANCE$33$396
F.I.D.O.$20$240
Einhorn$41$492

Best Guard Dog Insurance Companies

When looking around for the best guard dog insurance policy, you’ll want to be sure that you’re working with the best company. Unfortunately, there aren’t too many companies that are willing to shoulder the risk of covering a guard dog, though we’ve rounded up three of the best right here.

XINSURANCE

XINSURANCE is a company that specializes in providing customers with liability insurance that they can’t get coverage for elsewhere. Whereas your homeowners, business, and employers liability policies will cover you in case of certain things, XINSURANCE will cover you in every other one.

XINSURANCE Guard Dog Insurance Policy Details

XINSURANCE is used to working with guard dogs, regardless of whether you’re the proud owner of a guard dog or if you run a business that helps train them. Along with guard dogs, these policies will also cover you from liability related to your service dog or any kind of protection dog.

Pros

  • Policy adaptable for various kinds of dogs

  • Applicable for owners or trainers

  • Wide area of service

Cons

  • Not the cheapest option

Average Cost: $33 per month

Best for: Dog trainers

Our Rating: 4.7/5

Federation of Insured Dog Owners

F.I.D.O. is a coalition of dog owners and insurance companies that support them and ensure that they can get their hands on liability policies no matter what. This means that you’ll be able to get liability coverage for your dog regardless of the kind of breed that it is, as many insurers are biased against particular breeds.

F.I.D.O. Guard Dog Insurance Policy Details

F.I.D.O. policies are meant to be affordable and accessible, and they start at a minimum rate of just $75 per year. To ensure maximum accessibility, F.I.D.O. also works throughout all of the United States.

Pros

  • Easily accessible

  • Affordable

  • Covers common guard dog breeds

Cons

  • Limited online presence

Average Cost: $20 per month

Best for: Restricted dog breeds

Our Rating: 5/5

Einhorn Insurance Agency

The Einhorn Insurance agency is similar to F.I.D.O. in that it provides coverage for breeds that would be considered more dangerous. Once again, since most guard dog breeds are on the dangerous breeds list, then you can expect them to be exclusions for many insurance companies.

Einhorn Policy Details

Einhorn’s policy is popular with clients that have to get their animal insured so that they can bring it into an apartment or a rented home. They will even work with clients that own a dog that has a history of aggression, allowing clients to get their pets out of quarantine after an incident.

Pros

  • Works with dogs that have spotty histories

  • Will work with all breeds

  • Used to working with animal control

Cons

  • Relatively expensive

Average Cost: $41 per month

Best for: Aggressive guard dogs

Our Rating: 4.5/5

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