Fences, insurance and the rules that apply to you

Containment is a safety feature

A secure yard protects visitors, neighbors and the dog. Look at the height and condition of the fence, latches on every gate, and gaps at the bottom. Many families add a second barrier at the front door or driveway so a dog cannot slip out when the door is open. Signage helps people understand there is a dog on the property.

Insurance questions

Most homeowners and renters policies include personal liability coverage, but insurers handle dogs differently. Some exclude certain breeds or any dog with a bite history, and rules vary by state. NerdWallet publishes a helpful overview of dog bites and homeowners insurance.

• Call your insurer or agent before you buy and name the breed.
• Answer truthfully about the dog and its training.
• Ask whether an umbrella or separate animal liability policy is available if you are declined.
• Keep the response in writing.

Leases, HOAs and city rules

Landlords and homeowners associations often set limits on dog size, breed or number. Cities and counties may have their own licensing, leash and dangerous-dog rules, and they differ from place to place. Read your lease, your HOA documents and your local municipal code, or call the relevant office.

Your responsibility as the owner

In most places the owner is responsible for what the dog does. That is a good reason to choose a stable dog, keep training current and avoid putting the dog in situations it was not prepared for. If you want to talk through options with a professional, you can send a request and they can discuss them with you.

Quick answers