Best insurance we've ever found & they don't care what pets you have. The average cost paid out for dog bite claims nationwide was $33,230 in 2016, compared with $37,214 in 2015 and $32,072 in 2014. This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice. Unfortunately, the dogs on this list have a reputation for being more aggressive than other breeds. Insurers generally won't cover you in case of an illegal act, and owning a banned dog is no exception. } .hero__headline { Then againthey may not know we even have dogs.hmmm. We are committed to improving our services, applications and documents to make them more accessible to those with disabilities. The dog breeds that are most commonly excluded from a homeowners insurance policy include: This list should not be incredibly shocking. Start here to get affordable home insurance, Coverage and rates tailored to fit your needs, Compare multiple quotes and choose the most economical one, We work in a network of trusted providers. Blink XT2 Home Security System Review of 2021, For other home insurance questions, see our extensive. by aware Mon Nov 10, 2008 11:39 am, Post })(); @media only screen and (min-width: 64em) { If your insurer won't cover your restricted breed of dog, you can better protect yourself from liability by purchasing dog-specific liability insurance or, in some cases, umbrella liability coverage. Most standard insurance policies provide $100,000 to $300,000 in coverage.These standard insurance policies cover most dog bites and breeds. If you own a dog on the restricted breed list and the dog bites your neighbor, you will file an insurance claim to pay for your neighbors injuries. Its possible to find another provider with more relaxed rules around certain dog breeds. However, although it is far more challenging with a restricted breed as a pet, there are ways around this problem. Why? A number of home insurance agents recognize the AKC Good Dog certificate as legitimate and the blacklisted breed rule will not apply to your dog. And insurance companies want to match the rates they charge to how likely a dog is to cause damage, and to altogether avoid insuring dogs that are too unpredictable. Which carriers don't discriminate by breed? If your dog causes damage to your home or personal belongings, the loss may not be covered by your homeowners insurance. Sparks holds a Bachelor of Arts in business. They do have a breed exception list but Chows are not on it. Each year, almost 5 million Americans are bitten or attacked by dogs. But many people dont know that having a dog can impact your home insurance rate, and make it more difficult to get insurance. How much homeowners insurance do you need? The best thing to do, though, is to find a company that will accept your breed. Liability coverage will pay for medical or legal costs in the event a visitor to your home (or even just on your property) is injured including dog bites, unless your provider deliberately excludes them. That means if your dog bites you and you need to go to the hospital, you wouldnt be able to file a homeowners insurance claim. This site aims to serve as a helpful guide for our users to learn and compare different buying options. Youll want to check with your home insurance company or insurance agent to find out whether this type of training can help you obtain home insurance coverage despite your dog being a restricted breed. Another breed not listed above (because they arent very common), the Presa Canario, is also likely to be deemed too risky by some insurance providers thanks to the highly publicized death of a San Francisco woman who was attacked by two Presa Canarios in 2001. The consequences if your insurer learns you have a restricted dog breed depend on several variables, including exactly which breed you have, your particular insurer's policies and where you live. You may be able to add it as an endorsement on your current home insurance policy or purchase it as a separate policy. Is long-term disability insurance worth it? This includes: Pet liability insurance is a specialized policy that covers all dog breeds for most kinds of injuries or damage. Dogs that arent on the restricted list could become aggressive and bite, and theres no guarantee that a restricted breed dog will cause any problems. Pets referred to as "home insurance dogs" have been flagged as high-risk, liable to hurt a human being and invite lawsuits. As a journalist and as an insurance expert, her work and insights have been featured in Kiplinger, Lifehacker, MSN, WRAL.com, and elsewhere. margin-top: 0%; Insurance companies do not want to risk insuring these breeds as they tend to be aggressive, which would result in more expenses for the company. Find Cheap Homeowners Insurance Quotes in Your Area. Reviews.com doesnt ascribe to the belief that certain dog breeds are inherently dangerous, but some insurance companies do, based on their analysis of statistics. It will attack if it believes its family or property is in danger. All products are presented without warranty. Shop around for another provider, purchase additional coverage or consider DNA testing your dog. If your insurer restricts your pets breed, you could shop for a different home insurance provider that will offer you coverage. The site does not review or include all companies or all available products. Special Events, Birthdays & Anniversaries, Request to Add Topic to "Best of" Category, http://www.dogster.com/pet_page.php?j=t&i=36558, http://www.akc.org/life/homeins/statesins_links.cfm. If your dog bites someone and you're sued, your policy's liability portion would cover the resulting expenses. Fabio Faschi is a licensed property and casualty insurance agent. German Shepherds are fearless and confident, ready to defend their masters. } Again, it all comes down to shopping around and finding a plan. If the dog passes, it will be given a Canine Good Citizen award (CGC). The filings included insurers and some subsidiaries. Of German descent, the Doberman Pinscher is known for its intelligence and loyalty. Injuries and property damage due to dogs are some of the most common liability claims made for home insurance policies. Because if something were to happen, such as destruction of the property or injury to a person, you would be solely responsible for the expenses. Even if you live in another state, some insurers are more dog-friendly than others. Even if you have an existing policy and welcome a restricted dog breed into your family, your insurance company could refuse to renew your coverage at the end of the policy period. You can also consider other options, such as umbrella liability, canine liability plan, and exceptions. Talk about anything with your fellow Chow Chow regulars. That put the costs at more than $600 million. Simply put, a dog bite easily can result in a homeowner filing an insurance claim, according to independent agent Kevin P. Foley of PFT&K Insurance Brokers in Milltown, N.J. Which insurers don't discriminate by dog breed? More importantly, its best to know this important info before adopting altogether. If there's going to be a breed restriction, it should be for the "real" bitersthe yappers. Ratings are based on our subjective opinions from evaluating hundreds verified customer reviews. Best homeowners insurance companies of 2022. In this article, well explain which dog breeds worry insurance companies, what to do if youre denied coverage and how you can get insurance with a restricted pet breed. The simple answer is no; you do not have to have your dog on your homeowners insurance. If your insurance company isn't willing to insure your dog, you should start by comparing multiple insurance companies. If your dog is excluded from coverage, look for a dog-friendly home insurance company some insurers will cover dogs of any breed provided they don't have a history of biting. Legally speaking some home insurance companies do discriminate against certain dog breeds or dogs that have had an incident that involved a bite or attack that caused damage to someone. Licensed Property & Casualty Insurance Expert. What happens if I have a restricted dog breed? Many insurance companies may not cover a dog bite if your dog is any of the following breeds: In general, an owner is responsible for any damage done by his dog, whether the dog is provoked or not. So, whether or not you inform your insurance company of your restricted breed is entirely up to you. The most important question to ask is whether they accept your breed and, if they do, what type of insurance they can provide. Pit Bulls, German Shepherds, Chow Chows, Rottweilers and Doberman Pinschers are all examples of dogs that are often found on the restricted breed list. While shopping, make sure to get multiple quotes to determine which insurance carrier is the cheapest. That information is spelled out in the insurers underwriting guidelines. As we noted above, State Farm doesnt even ask for your dogs breed. I have State FarmI just switched to them and they never asked so I didn't mention it. Plus, umbrella coverage is generally inexpensive for the dollar amount of coverage it provides. Keep in mind that purchasing additional coverage will increase your premium, but there wont be any gaps in your coverage. Roughly five million people are bitten by dogs each year, and the majority of those cases are children. insuranceQuotes 7300 RM 2222 Building 2, Suite 100 Austin, TX 78730. We also have State Farm. This means your insurer wont cover any medical or legal bills that ensue from your dog biting someone on your property. In some cases, an insurance company may grant an exception for your dog - even if it is a restricted breed. They will not request information on which dog breed you own or restrict based off of breed alone. Depending on the state, not every company and subsidiary will match this list, and certain insurers will also ban dogs with a history of biting. Which Pest Control for a Yard Is Safe for Dogs? 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