11 Riskiest Dog Breeds for Homeowners and Renters

Español: Luna-Lunera,, Husky Siberiano Hembra ...

Insurance companies may deny homeowners and renters insurance coverage to people who own certain breeds of dogs.

If you own one of the 11 “riskiest” dog breeds — which include Rottweilers, Pit Bulls and Doberman Pinschers — you may face some big homeowner’s or renter’s insurance headaches, even if the only things your pup has ever taken a bite of are his Alpo and bone.

The insurance companies don’t want to deal with a potential lawsuit if someone gets bitten or hurt by your dog while they’re in your home so your insurance carrier can deny you coverage because of your dog. Other insurance companies may still extend coverage to you but will charge you a higher premium for it. Another option is carriers will insure your property but exclude liability related to your animals, meaning you pay for any lawsuits related to your dog.

Of course, the rules on which dogs an insurance company will cover and which they won’t vary from company to company — and some companies will cover almost any dog. Using an independent insurance agenty can help you find an insurance carrier to suit your needs But as a general rule, insurance companies tend to resist covering these 11 types of dogs — or any mix of these breeds — most often.

Pit Bulls & Staffordshire Terriers
Doberman Pinschers
Rottweilers
German Shepherds
Chows
Great Danes
Presa Canarios
Akitas
Alaskan Malamutes
Siberian Huskies
Wolf-hybrids

(Note: Insurance companies tend to deny coverage for the first four breeds on this list most often, experts say.)

To avoid insurance problems, ask your insurance agent about the breed you’re considering before you buy him or her. Furthermore, if it’s a rescue dog, find out if it has a biting history or was abused— once a dog injures someone in your home, you risk getting your coverage dropped.

Bottom line: This isn’t to say that you shouldn’t get a pit bull — those little guys can be pretty darn lovable! — or another kind of “risky” dog, but you should call an independent insurance agent to find out whether they cover the breed, and if not, what it will cost to get a homeowners or renters with a company that does.

No Comments

11 Riskiest Dog Breeds for Homeowners and Renters

11 Riskiest Dog Breeds for Homeowners and Renters

No Comments

Resources

Contact Us