Home Insurance With Dogs

Can a Dog's Breed Affect Your Homeowners Insurance?

Home Insurance With Dogs

Posted by Bram Adelle on Thursday, 14 November, 2019 06:06:16

And if you have a hard time finding an insurance company that will sell you a homeowners policy because of your dog, contact your state insurance commissioner's office. Someone there may be able to point you in the direction of an insurer that will cover you and your pet.

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Like homeowner's insurance, renter's insurance may cover dog bites. If you are a potential tenant looking for an apartment, an offer to provide renter's insurance may help convince a landlord to accept you and your dog as tenants. Additionally, renter's insurance will cover your personal property not covered by your landlord's insurance.

Generally home insurance covers a homeowner's liability for dog bites. But some home insurance companies have lists of prohibited dog breeds -- they will not sell coverage to you, or will exclude liability and medical payments coverage for dog-related injuries -- if you own a prohibited breed.

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One example: An Atlanta, Georgia homeowner was denied insurance because he owned a dog that he guessed was mostly Schipperke. The insurance company considered this dog breed high-risk.