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Home insurance with a dog in the home?

tony • November 11, 2019

Home insurance has a coverage section called liability and medical payments to others.  These coverages can be triggered when someone is injured as a result of your negligence.  In some instances, these coverages can be triggered even when you’re not negligent, but the injury occurs on your property.  Injuries caused by dogs is not only one of the leading liability claims, but it’s also one of the costliest with payouts averaging just shy of $40,000 per occurrence.

Insurance companies, in an effort to mitigate their risk, will restrict their exposure to certain dog breeds where the data shows an increased level of claim activity for a particular breed.  Some insurance companies will render you completely ineligible for insurance if you own one of these breeds while other insurance companies will simply have you sign a disclosure acknowledging that your policy will not respond to animal liability claims.  In fact, it’s becoming more common for insurance companies to exclude animal liability from its standard coverages regardless of dog breed.

While each insurance company maintains a different list of ineligible dog breeds, for the most part they will all contain the following:

Chow, Presa Canario, Pitbull, Staffordshire Terrier, Akita, Doberman, Rottweilers and German Shepherds

If you own one of these dog breeds, it’s definitely possible to get home insurance however, you’ll want to mention this small bit of information up front so that you can get an accurate quote. 

Want to see what insurance rates look like in your area?  Get a quote online at shopitnow.chrinco.com or give me a call at 321-586-3754.  Chrinco.com – insurance simplified.

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