What Homeowners Insurance Companies Do Not Discriminate Dogs
However some dog breeds will require further review.
What homeowners insurance companies do not discriminate dogs. Including dogs in your homeowners insurance is possible and important because of the risk that dogs pose. This information will assist you in acquiring or maintaining a homeowner s insurance policy when you own or adopt a breed of dog that may be identified by insurance companies as high risk. If you re having trouble getting homeowners insurance because of your dog breed the good news is that not all insurance companies discriminate based on breed. Which dog breeds are blacklisted or restricted.
Dogs such as pit bulls rottweilers chows presa canarios and akitas are often on banned dog lists by home insurance companies. Certain companies believe that other factors aside from the. No insurance company discriminates against a dog or breed however insurance companies are increasingly unwilling to be liable for injury due to dog attacks and. Some insurance companies also refuse to insure homeowners who have dogs with a history of aggressive behavior.
Why homeowners insurance companies blacklist dog breeds. In fact insurers in michigan and pennsylvania are not permitted to deny coverage to homeowners based on the breed of their dog nor can they exclude your dog from liability coverage. The cdc estimates that dogs bite an average of 4 5 million people every year. Some companies do not restrict breeds but base the decision to offer insurance on the dog s behavior history.
But some home insurance companies have lists of prohibited dog breeds they will not sell coverage to you or will exclude liability and medical. Insurance companies are often concerned about loyal boxers who will go to great lengths to protect their. If they do not meet our acceptability guidelines we may choose not to write the policy which home insurance companies don t discriminate based on dog breed. Homeowners insurance and dogs.
Why home insurance companies discriminate against breeds. Originating in germany they truly do box using their front legs to play with other dogs. Not all insurance companies operate like liberty mutual as well as farmers and allstate in this regard it has to be said. Which insurance companies do and don t blacklist dog breeds.
For more information regarding insurance providers that do not discriminate based on dog breed check out the akc s homeowners insurance resource center and mspca for guides on the legalities of home insurance and pet ownership.
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