Homeowners Insurance Dog Breed Restrictions
It s worth noting the avma itself advised against breed specific restrictions in that same study and stressed that fatal attacks are a small percentage of overall dog bite injuries in the u s.
Homeowners insurance dog breed restrictions. It is not illegal for an insurance provider to deny cancel or increase premiums because of the type of dog you own. Just like homeowners insurance renters insurance includes liability protection if your dog causes injury or property damage. If you own a dog or plan on getting one be aware of homeowners insurance dog breed restrictions. Homeowners insurance dog breed restrictions owning a dog can be a happy moment for every first time dog owner.
However there are a handful of infamous breeds that insurers generally refuse to cover. Even if your dog is perfectly behaved your insurer may deny or even cancel a home policy due to the breed. More dangerous dog breeds are often excluded from your coverage plan. Breed restrictions are controversial but a reality.
Owning one of these breeds doesn t necessarily mean a homeowners insurance company will deny you coverage. In fact homeowners with certain breeds of dogs may have trouble getting homeowners insurance. Many insurance companies have restrictions on the breeds that they will cover. It s understandable that your insurance company wouldn t want to jump in and take responsibility for all these injuries.
Dogs such as pit bulls rottweilers chows presa canarios and akitas are often on banned dog lists by home insurance companies. Do renters insurance companies have breed restrictions. Why home insurance companies discriminate against breeds. And some renters insurance policies will also base coverage decisions on what breed of dog you have.
By hippo insurance according to the american pet products association there are nearly 90 million pet dogs in the united states. Dog bite related claims accounted for more than one third of all homeowners insurance liability claims paid out in 2013. Some insurers have more restrictions regarding dog breeds than others. This article goes over.
Will the breed of my dog impact my insurance premium. Any dog can impact an insurance premium especially if it is. That amounted to about 490 million with the average claim costing close. Generally home insurance covers a homeowner s liability for dog bites.
Homeowners don t have an issue with their dog s being allowed to live in their home but they do run into problems with insurance companies placing breed restrictions on their policy coverage. But insurance companies often disagree. To them dogs are a liability. For most owners their dogs are part of their families.
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