A major new law is shaking up pet ownership in Florida. Starting July 1, 2025, all owners of dogs classified as “dangerous” must carry a minimum of $100,000 in liability insurance—or risk losing their pet.

This law directly affects Florida residents whose dogs meet any of the following criteria:

• A history of biting or attacking people or other animals
• Repeated aggressive behavior reported to authorities
• Designation by animal control or local officials as “dangerous”
• Ownership of certain breeds often targeted by local ordinances

What the Law Requires

Florida’s dangerous dog statute will now include:

• Mandatory liability coverage of at least $100,000
• Visible warning signage on property
• Secure enclosures that meet legal specifications
• Immediate compliance upon classification or violation

Failure to comply could result in civil penalties, seizure of your pet, or even euthanasia in extreme cases.

Why Homeowners Insurance May Not Be Enough

Many dog owners mistakenly believe their standard homeowners or renters policy will cover any incidents. In truth, most policies exclude specific dog breeds or limit payouts on dog-related injury claims.

Even a minor bite could lead to lawsuits, medical bills, and irreversible loss of your pet.

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🛡️ How Island Insurance Group Can Help

At Island Insurance Group, we specialize in Florida-specific liability policies for pet owners. We offer:

• Fast coverage issuance for dogs classified as dangerous
• Affordable plans that meet all state requirements
• Expert guidance on legal compliance
• Protection for your pet and your peace of mind

👉 Don’t wait until an incident occurs or the law takes effect. Get compliant now.

📞 Call us today at 866-820-7430 Ext 201
🌐 Visit IslandInsuranceGroup.com
📍 Serving all of Florida, proudly trusted by local families

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Your dog is family. Let’s make sure you’re protected.