Does My Dog Breed Affect My Home Insurance?

You have this lovely dog that you consider a member of your family, however, when you apply for your homeowner’s insurance policy, your insurance provider tells you that your dog cannot be covered it belongs to a high-risk breed. According to the Center for Disease Control and Prevention, about 4.5 million people are bitten annually by dogs.

Insurance firms normally ensure dog incident costs up to some liability limits, but some insurance firms will not provide cover for certain dog breeds that are considered dangerous. Other companies make a decision depending on the history of the dog being dangerous, regardless of which breed it belongs to.

Coverage options

A significant part of homeowners insurance claims are related to dog incidents. This has made many insurance firms to re-evaluate the type of dog breed they would be able to cover. The following are some insurance options offered by companies:

  • Raise the premium of your home insurance policy as a result of the dog breed.
  • Let you have any type of dog you want, but not include it in your home insurance plan. You may even be required to sign a dog exclusion contract.
  • Not offer you any insurance at all because you own a vicious dog breed.

AWARD Insurance Group is an insurance agency in Dalton GA that provides you with great insurance options. Call us today to know more.

The Riskiest Dog Breeds Which Are Not Normally Covered

The list of dangerous dogs usually varies from one insurance provider to another, but generally, the following breeds are normally excluded from a homeowners insurance policy:

  • Pitbull
  • Rottweiler
  • Akita
  • Alaskan Malamute
  • American Bull Terrier
  • American Staffordshire Terrier
  • Staffordshire Bull Terrier
  • Bullmastiff
  • Chow Chow
  • Pressa Canario
  • Doberman
  • Wolf Breed
  • Any mix of the above mentioned breeds.

These dogs are on this list because they can cause more damage compared to smaller dogs, and an attorney may be involved in the case leading to higher claims.

If you have any questions on how your dog influences your home insurance please contact AWARD Insurance Group is an insurance agency in Dalton, GA and you will get the best advice.