HAI Group Blog

Housing Risk Guide: Ownership of Pets Sample Policy

Written by Ally Modugno | Marketing Specialist | HAI Group | Jan 29, 2026 8:59:37 PM

Pets can play an important role in residents’ lives, but they can also introduce safety, health, and liability considerations for housing organizations. Without clear rules in place, issues related to noise, sanitation, damage, and aggressive behavior can become difficult to manage and may lead to disputes or claims.

This sample Ownership of Pets Policy provides a structured framework for housing organizations to adapt and establish clear expectations for pet ownership. It is designed to support consistent enforcement, protect residents and staff, and help reduce risk across your properties.

Sample policy parts

  • House rules covering leashes, waste removal, noise, odor, vaccinations, and licensing

  • Limitations on pet types, breeds, size, and number of animals per unit

  • Procedures for inspections and responding to complaints or violations

  • Steps for addressing pet-related rule violations and potential lease enforcement

  • Clarification of reasonable accommodation animals and separate agreements

  • Liability provisions, including renters insurance requirements

Why this matters

Clear pet policies help housing organizations balance resident needs with safety and operational consistency. Without documented rules, pet-related issues can escalate quickly, leading to conflicts, property damage, or injury claims.

A written policy provides transparency for residents and staff, supports fair enforcement, and helps reduce uncertainty when issues arise. By clearly outlining expectations, responsibilities, and consequences, housing organizations can create a safer environment while still allowing residents to enjoy the benefits of pet ownership.

This sample policy offers a starting point your organization can customize to align with local regulations, operational practices, and legal guidance.

Access more resources

Be sure to explore the full range of resources we’ve curated on our Resource Center, designed to help you stay informed, prepared, and resilient, ready to handle anything that comes your way confidently.

Stay connected

Sign up for updates from our blog to stay ahead of emerging trends in insurance, risk management, online training, and affordable housing research, and gain access to the latest resources and tools.

This article is for general information only. HAI Group® makes no representation or warranty about the accuracy or applicability of this information for any particular use or circumstance. Your use of this information is at your own discretion and risk. HAI Group® and any author or contributor identified herein assume no responsibility for your use of this information. You should consult with your attorney or subject matter advisor before adopting any risk management strategy or policy. 

HAI Group® is a marketing name used to refer to insurers, a producer, and related service providers affiliated through a common mission, management, and governance. Property-casualty insurance and related services are written or provided by Housing Authority Property Insurance, A Mutual Company; Housing Enterprise Insurance Company, Inc.; Housing Specialty Insurance Company, Inc.; Housing Investment Group, Inc.; and Housing Insurance Services (DBA Housing Insurance Agency Services in NY and MI).