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How dogs affect your homeowners insurance (2020)

  homeowner insurance dogs

In this post today, I will go through exactly how homeowner insurance is affected by your dog based on their breed, how to get the most affordable policy and how to stay a responsible pet parent.

How will a dog affect your homeowners insurance?

When you buy a homeowner's insurance, it comes with personal liability and medical coverage.

This coverage is there to protect you or a family member if you damage someone's person or their property.

This also includes medical coverage if your dog bites someone and they decide to sue you.

According to the Insurance Information Institute, about 1/3 of all home insurance claims from dog bites and in 2015, insurance companies paid over $ 500 million in 2015 only in dog bite claims.

According to AVMA, in 2017, there were nearly 350,000 people treated at emergency rooms for non-fatal dog-related injuries.

All this to say that if you have a dog, home insurance companies will cover you may want a little more coverage for cases.

However, most homeowners insurance companies base their insurance decisions solely on the breed, where certain types of dogs are completely excluded.

Dogs are usually blacklisted by home insurance companies

Depending on which dog you have they may affect your homeowners' insurance premiums, while others are completely blacklisted.

If you have one of the following breeds, you may need to sign an exemption exception, or you may not even be offered coverage:

  • Pit Bull Type Breeds
  • Rottweilers
  • Alaskan and Siberian Huskies
  • Wolf Hybrids
  • Alaskan Malamute
  • Staffordshire Terrier
  • Akitas
  • Dobermans
  • Chow-Chows
  • German Shepherds
  • Mastiffs
  • Great Danes

Please note that this list is not in stone, and each insurer will have a different position.

It is best to check directly with your homeowners insurance company to see what they c about and how it handles individual breeds.

Simply Insurance is the easiest and fastest way to compare home insurance online.

"Simply Insurance … focuses on consumer-related insurance products and quote insurance online"

– USA Weekly [19659032] Being a Responsible Pet Parent

Now I'm sure you can understand that many pet parents are deceiving this list and thinks it's unfair.

In fact, both Pennsylvania and Michigan have stopped insurance companies from making decisions based on race alone.

Other states will follow, which means that each premium will depend on the individual dog.

But for most of us, dogs affect homeowners insurance according to their breed alone.

Here are some things you can do as a responsible pet parent:

Be honest about your dog's breed

Be aware of the type of dog you have, it will never help you lie to an insurance company about anything that can affect your ability to be covered.

If your dog bites someone and it is a different breed than you said it was, you will not be covered for this claim and may lose all your coverage.

Question about discounts

insurance companies may be willing to work with you to lower the premiums.

For example, if you and your dog complete a recognized obedience class, your insurance company may agree to cover the costs.

Look Into Umbrella Insurance [19659039] Your umbrella insurance would cover your pet no matter what breed they are if they were to bite someone.

It may be easier to use that coverage than trying to find a company that accepts them if they are one of the blacklisted breeds.

You may also find a standalone liability policy for your breed.

Shop around

Did you know that more than 70% of homeowners do not shop for their home insurance.

This means that they not only leave money on the table but are probably under insured.

Be sure to shop around and get more quotes before deciding on a specific insurance company.

After all, your furbaby is part of the family and deserves the right protection.

How much coverage do I need if I have a dog?

According to III homeowners insurance can cover up to $ 100,000 to $ 300,000 in personal injury.

You would be responsible for any amount that went over that amount, so with that said, you will probably increase the liability portion of your insurance plan.

I would say try to do at least 50% more coverage than what is offered.

You can also buy an umbrella policy that we discussed above.

Should I tell my insurance company if I adopt a dog?

You should keep your policy updated with the most accurate information, so if you adopt a dog, well, you should tell your insurance company. [19659006] This is especially important if it is one of the dogs that is usually blacklisted. Learn more about what to look for when shopping for pet insurance here

If you do not tell the insurance company about this, you may be in some trouble along the line.

Any claims you make because of a dog bite can be rejected immediately because you never told them you had a dog in the first place.

Your policy may even be canceled in its entirety.

If you already have a homeowner policy, read it again if you are considering getting a dog. If this is not clear, contact your agent or someone else in your insurance company for the information.

Simply Insurance is the easiest and fastest way to compare home insurance online.

"Simply Insurance … focuses on consumer issues of insurance products and instant quote insurance online"

– United States Weekly

Does my dog's respect for me being a tenant?

You will need to read your rental insurance to see if they also cover your dog breed.

Since rental insurance only covers your personal property, loss of use and liability, it works a little differently than homeowners.

This means that some policies may cover your dog, some may not check with your agent (or anyone else at your insurance company) if you are not sure of the scope of your coverage.

Take action

Now that you know how deductibles work for a homeowner's insurance plan, you should be better equipped to buy the best policy for you and your family.

There is no need to wait to get a home insurance policy and believe it or not, more than 70% of people do not shop for their homeowners insurance, they only take what is given.

So you are already ahead of the game by reading this article.

You can get a quote by clicking here or the button above, no matter what you do, no matter what deduction you choose, choose a policy you will be able to afford.

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