You may be denied home insurance if you own any of these 10 dog breeds.

Depending on the type of dog you have, your home insurance policy may not fully protect you in the event of a dog bite or other related injuries. Learn more about dog breed home insurance restrictions and your options for staying covered. (iStock)

Owning a pet requires a significant long-term financial commitment. The costs of owning a pet can add up quickly between food and grooming, not to mention apartment costs and unexpected vet bills. And depending on the type of pet you have, you might even have a harder time getting approved for home insurance.

Some home insurers perceive dog ownership as an additional liability – this risk is increased if your dog is of a certain breed. This can cause you to pay out of pocket if a dog bite or other animal related injury occurs on your property. Keep reading to learn more about common breed restrictions and how they impact your home insurance coverage.

If you’re having trouble finding home insurance without breed restrictions, shop around for insurance companies on Credible. Breed restrictions vary among home insurance providers, so it’s important to compare premiums and policies between insurers.


Dog breeds that may be restricted by your home insurance company

One of the most common home insurance liability claims comes from dog bites and other pet-related injuries. Insurance companies paid $ 854 million for nearly 17,000 dog bite and injury claims in 2020, according to the Insurance Information Institute (III).

Depending on the type of dog you have, you may have a harder time finding home insurance that covers you in the event of a dog bite, according to Janet Ruiz, spokesperson for III. Common dog breed restrictions on home insurance understand:

  • Pit bulls
  • Rottweiler
  • german shepherds
  • Doberman pinscher
  • Alaskan Malamutes
  • siberian huskies
  • Chow-chows
  • Akitas
  • the great danes
  • Wolf hybrids

It’s important to keep in mind that each case is considered on its own merits and that there are factors that can make it more difficult to obtain insurance or successfully file a claim, Ruiz said. For example, it can be difficult to find home liability insurance if your dog has a history of aggressive behavior or if you have filed a dog-related injury claim in the past.

Ruiz encourages dog owners to call their current or potential insurance company to ask if they have any restricted breeds that could result in a denial of a claim. And if you’re considering adopting a pet, be sure to call your insurance company or research less restrictive insurers.

You can compare home insurers’ premiums immediately on Credible’s online financial marketplace.


Find a home insurance company that accepts dogs

Owning a pit bull or rottweiler probably won’t prevent you from getting home insurance, but it can be more difficult to find a policy that covers your pet for a dog bite or other related injury. And thankfully, there are more insurance companies that don’t have breed restrictions than they do, Ruiz said.

“There are many insurance companies that do not have breed restrictions. They look at your loss history and whether you have ever had any dog ​​bite or dog injury claims.”

– Janet Ruiz, spokesperson III

If you do use an insurance agent, make sure they know your pet so they can help you find a policy with the right amount of coverage. This way you don’t end up with thousands of dollars in medical bills for dog related injuries that occur on your property.


What to do if your insurer doesn’t cover you because of your pet

Just because your home insurance won’t cover your pet due to breed restrictions doesn’t mean you need to find a brand new policy. While it may be worthwhile to change your insurer, you may also want to consider purchasing dog liability insurance.

Having pet liability insurance adds a layer of protection if your pet is a restricted breed or has a history of aggression. This ensures that you won’t have to pay out of pocket if you are sued for a dog bite or other pet related incident.

Visit Credible to compare several home insurance companies, some of which may have no breed restrictions.


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Justin D. O'Neill