A landlord may set a pet policy. A service animal or an assistance animal is not a pet in law, and the rules about refusing one are different from the rules about refusing a dog.
Assistance animals are a fair housing matter, not a pet policy matter. Your insurance has to accommodate that.
Three things about animals on a property you own.
Federal fair housing rules generally require reasonable accommodation for assistance animals, which means a no-pets clause and pet rent do not operate in the usual way. Owners who treat the two the same create a fair housing problem for themselves, and that is a far larger exposure than the animal.
Where an insurer excludes certain breeds and a tenant has a qualifying assistance animal of that breed, the owner is caught between two requirements. It is solvable by choosing a carrier without breed restrictions, and it has to be solved before the situation arises.
Arizona imposes strict liability on dog owners, and a landlord who knew of a dangerous animal can be drawn into a claim as well. Knowing what is on the property, and carrying real liability limits, is the practical protection.
The animal questions, settled before a tenancy.
Pets and assistance animals both, because they are different questions.
A restriction can collide with a fair housing obligation.
Animal claims are the most common large liability loss on residential property.
Tell us what animals are at the property and whether any is an assistance animal.
We place it with a carrier whose rules do not collide with the law.
Request a quote