Florida Animal Liability Insurance

[Tracey Smythe]

I have never allowed animals at any of my rentals, but we have a long term renter who has asked about getting a dog.  I told them I would have to talk to my insurance and get back to them.  I reached out to my insurance, and they told me that they don't have any companies (they are a broker) that cover animal liablity on a D3 landlord policy.  After doing a bit of research it seems that most homeowner's insurance in Florida doesn't cover animal liability.

So for those of you with homes in Florida, how do you deal with this and allow pets?  I was also told that my umbrella policy would not cover anything that the homeowner's insurance excluded.  I was planning on having the tenants get a renter's policy with 300k liability and name me as also insured, but I am not sure this enough.  Does anyone have a stand alone animal liability policy?  And advice is appreciated!