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