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Do you have a four legged loved one?  Do you want to learn if your home insurance protects you for unforeseen pet accidents? 


We know how special your pet may be, and sometimes they even become family. However, some dog owners may find it more difficult to secure a homeowners policy. The purpose of a homeowners policy to provide coverage for your assets and protect your home from natural disasters and other misfortune. It is also there to protect policyholders from lawsuits that could stem from injuries, including those caused by pets.

How do you know if your family pet will pose a problem in the process of purchasing insurance?

Not every breed or type of animal is an issue when purchasing insurance. However, there is a standard list of breeds that is widely used by numerous carriers when evaluating risks. Furthermore, these carriers take into consideration the bite history of your beloved pet.

 Commonly Restricted Breeds (Including but not limited to): 

-          Pit Bulls

 -          Rottweilers

-          German Shepherds

-          Chows

-          Great Danes

-          Doberman Pinschers

-          Akita

What do you do if you have an animal with bite history, or one on the standardized list?

If you own a dog that is commonly seen as a higher-risk animal, or looking to adopt one, or you have one that has a history of biting, there are various things you should do to ensure you are receiving the best rate and properly insured.

Ask Questions- If you are looking to adopt one of these breeds, make sure you understand beforehand that these dogs make affect your ability to insure your property with certain carriers.  

Let your agent know about your pet- If you are shopping for insurance or purchase one of these breeds in the middle of your existing policy, let your agent know. They will be able to tell you which carriers will insure your assets, the various rates available, and provide advice on how to make sure you are insured properly.

Minimize the risk of biting- Although there is no way to completely avoid an accident, there are ways pet owners can try to prevent them from occurring. These defensive measures include but are not limited to, actively supervising your animal, keeping your dog leashed when outside, properly socializing your pet with other people and animals, getting your pet fixed, and more importantly knowing your pet!

What coverage do I have for my pet outside of my regular homeowners policy?

Pet Insurance- Typically, your homeowners policy may extend liability coverage in a situation where your pet causes injuries to another party.However, there are other coverage options for your furry friends. Our agency also offers pet insurance for instances that occur where you may have to pay a large amount out of pocket for expensive vet bills such as unexpected illnesses, injuries, and surgeries. Let us know if you are interested in this additional coverage so we can provide a quote for you.


No one wants to think that there precious puppy could cause harm to anyone or anything, however accidents do occur, and we want to make sure you are covered and educated on the coverage you have if anything is to happen. Call or email us today to see what coverage you have!

Suzanne Brown Insurance Agency

A Texas Independent Insurance Agency with over 100 insurance carriers




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