Which Dogs Raise Home Insurance?

Comments

2 responses to “Which Dogs Raise Home Insurance?”

1. 

   April 2, 2014

   Tim D’Angelo

   Most companies have a prohibited dog list.  If you have one of these dogs listed below most home insurance companies will either not write the policy or issue a notice of non-renewal if discovered.
   If you have an animal liability endorsement,  the coverage more than likely will not cover any prohibitive dog claim.  Animal liability or “dog bite” liability will cover your dog that is not on any prohibitive list and has no bite history.   Take a look at the list from one of the companies we represent.

   Akitas
   American Bulldogs
   Beaucerons
   Caucasian Mountain Dogs
   Chow Chow
   Doberman Pinschers
   German Shephards
   Great Danes
   Pit Bulls
   Rottweilers
   Staffordshire Terriers
   Wolf Hybrids

   This not a general list for all homeowners insurance companies.  Each company may have their own list of prohibitive dog breeds.

   If you own a dog, it is best you first check your policy to determine if your homeowners policy covers any animal liability claim and if so,  what is the sublimit of liability?

    
    
    
    
    
    
    
    
    
    
2. 

   April 1, 2014

   David Pipes

   Rather than raise rates many companies restrict coverage.  For example, the company might completely exclude coverage for personal injury or loss that comes beause you own a pit bull, Doberman, or Rottweiler.  If you have an animal that has a history of biting, you will probably find that  animal excluded as well.  The company may also limit the amount that they will pay for any claim coming from the bite of any animal.