Homeowners Insurance And Dogs
Some dogs affect homeowners insurance by driving up premiums while others are blacklisted entirely.
Homeowners insurance and dogs. Generally home insurance covers a homeowner s liability for dog bites. That s over 48 million households with an average of 1 6 dogs per household. There are some insurance companies that will provide insurance for you but exclude your dogs. The facts on home insurance dogs.
If you own a dog or plan on getting one be aware of homeowners insurance dog breed restrictions. According to the centers for disease control and prevention more than 4 5 million people suffer dog bites each year. Dogs such as pit bulls rottweilers chows presa canarios and akitas are often on banned dog lists by home insurance companies. One fifth of these attacks are serious enough to need medical attention.
When you purchase a homeowners insurance policy it comes with personal liability and medical coverage. Many homeowners insurance policies cover dog bites and other incidents. If you have one of the following breeds you may have to sign an exemption waiver or you may even not be offered cover. Dogs are one of the most common pets and they can also be the riskiest.
Some insurance companies go a step further and specifically advertise their willingness to work with dangerous dogs offering dog liability insurance for individual animals rather than based on a generic breed profile. 10 dog breeds most often blacklisted by home insurance companies. At times insurance agents themselves visit the dog owner s home. Why homeowners insurance companies blacklist dog breeds.
An iii study found. If this happens you can check some other insurance company or even ask your insurance. The liability portion of homeowners insurance usually covers injuries and damage caused by your dog such as property damage or bites. Here are some basic facts about dog ownership and homeowners insurance.
This coverage is there to protect you or a family member if you damage someone s person or their property. According to the american veterinary association almost 40 percent of american households have a dog. Einhorn insurance chubb group. The cdc estimates that dogs bite an average of 4 5 million people every year.
This also includes medical coverage if your dog bites someone and they decide to sue you. However insurance companies may not cover damage from large dog breeds or those that have a reputation for being aggressive as they are a bigger risk to insure. Most insurance companies don t directly deny insurance and require medical records from vets. Your policy s liability insurance is intended to protect you financially by.
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