Homeowners Insurance Dog Breed Restrictions
Some insurers have more restrictions regarding dog breeds than others.
Homeowners insurance dog breed restrictions. Why home insurance companies discriminate against breeds. To them dogs are a liability. In fact homeowners with certain breeds of dogs may have trouble getting homeowners insurance. The most common homeowners insurance dog breed restrictions include.
Dogs such as pit bulls rottweilers chows presa canarios and akitas are often on banned dog lists by home insurance companies. By hippo insurance according to the american pet products association there are nearly 90 million pet dogs in the united states. Any dog can impact an insurance premium especially if it is. Will the breed of my dog impact my insurance premium.
Generally home insurance covers a homeowner s liability for dog bites. However there are a handful of infamous breeds that insurers generally refuse to cover. If you own a dog or plan on getting one be aware of homeowners insurance dog breed restrictions. Breed restrictions are controversial but a reality.
For most owners their dogs are part of their families. Owning one of these breeds doesn t necessarily mean a homeowners insurance company will deny you coverage. It s understandable that your insurance company wouldn t want to jump in and take responsibility for all these injuries. And some renters insurance policies will also base coverage decisions on what breed of dog you have.
Many insurance companies have restrictions on the breeds that they will cover. 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. 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. But insurance companies often disagree.
Dog bite related claims accounted for more than one third of all homeowners insurance liability claims paid out in 2013. This article goes over. As everyone wants a loyal friend who gives a feeling as someone special dog in their life with whom a person can share his good and bad experiences. The good news is that most dog breeds are considered insurance friendly meaning they are covered by a standard homeowners insurance policy.
That amounted to about 490 million with the average claim costing close. Homeowners insurance dog breed restrictions owning a dog can be a happy moment for every first time dog owner. More dangerous dog breeds are often excluded from your coverage plan. Do renters insurance companies have breed restrictions.
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