If you have a home, condo, or tenant insurance policy, you'll have personal liability coverage built in which can cover incidents involving your pet. Let's consider an example where personal liability insurance would kick in for a pet-related incident. Imagine your dog is out in the front yard playing, when suddenly it gets triggered by a passing cyclist. Your dog unexpectedly chases after the cyclist and nips at their leg, resulting in injury and a damaged bike from their fall. In this case, the person may decide to sue you for damages. Because the damages and injuries were a result of the dog’s actions, personal liability coverage under your home insurance policy would help protect you against legal fees and compensation to the injured party. An unexpected incident like this could be costly, so it's important to ensure you have sufficient personal liability coverage to protect yourself no matter the circumstance. If you're looking for even further protection, you can look into increasing your base policy liability limit, or adding Personal Umbrella Insurance which will extend your existing coverage beyond its set limits in your home insurance policy.