Animal Liability Insurance in Broward County: Protecting Dog Owners in Southwest Ranches, Sunshine Ranches, Fort Lauderdale & Pembroke Pines

Broward County is home to some of Florida’s most dog-friendly communities, from the spacious equestrian estates of Southwest Ranches and Sunshine Ranches to the walkable neighborhoods of Fort Lauderdale and Pembroke Pines. With Florida’s new Pam Rock Act taking effect July 1, 2025, dog ownership now carries new legal and financial responsibilities.

What Is the Pam Rock Act and Why It Matters

The Pam Rock Act introduces mandatory liability insurance for owners of dogs classified as “dangerous.” If a dog causes serious injury, owners may be required to carry at least $100,000 in dog liability insurance to protect victims and themselves from devastating financial loss.

Why Dog Liability Insurance Is Essential in Broward County

Even the most responsible owners can face unexpected incidents. Without animal liability insurance, a single bite claim can lead to:

• Lawsuits and legal defense costs

• Medical bills and settlements

• Homeowners or renters policy exclusions

• Long-term financial strain

Dog liability insurance helps bridge coverage gaps when standard policies exclude certain breeds or incidents.

Who Should Consider Coverage

• Owners of large or high-energy breeds

• Residents with frequent visitors, service providers, or delivery traffic

• Homeowners with fenced acreage in Southwest Ranches or Sunshine Ranches

• Condo and HOA residents in Fort Lauderdale and Pembroke Pines

Local Help You Can Trust

As a Broward-based insurance broker, I help dog owners find affordable, compliant animal liability insurance tailored to their living situation.

📞 Call or Text: 786-440-8242
📧 Email: [email protected]

Allie Horblitt

About the Author

Alexandra “Allie” Horblitt is a Licensed Independent Insurance Agent with North Broward Insurance Solutions, Inc., bringing over 14 years of industry experience to her clients. She specializes in marine artisan insurance, workers’ compensation including USL&H, general liability, and commercial auto coverage. Allie is licensed to sell commercial insurance products in Alabama, Florida, Georgia, Colorado, Indiana, Ohio, Texas and Virginia. To connect with Allie for customized coverage solutions, email her at [email protected] or call/text 786-440-8242.