How Much to Add to Your Homeowners Insurance for a Dog Lower rates Reputable providers Powered by Jan 27, 2021 Did you know that having a dog could affect your ability to obtain homeowners insurance? If an insurance company is willing to cover you, owning a pup can bump up their rates for a homeowners insurance policy. Before you get discouraged or fear having to stretch your budget for an unaffordable homeowners insurance policy, let’s take a look at how much you really need to add to your policy to cover your four-legged friend. What We'll Cover If you own a dog, it’s best to get homeowners insurance with personal liability coverage of at least $300,000. The breed and size of dog may affect this. Some policies cap their personality liability coverage at $500,000, so you may want to look into personal liability umbrella coverage.