Why Certain Dogs Are Banned from Home Insurance Coverage

Why Certain Dogs Are Banned from Home Insurance Coverage

Understand why certain dogs are blacklisted from insurance.

As a homeowner and dog owner, you may have heard that some insurance companies will deny coverage for homeowners who have “dangerous” dogs. This can often leave people in the dilemma of choosing their pet or their home insurance, which is a position no one wants to be in. Your four-legged friend is a member of the family! Here’s what you should know so that you can make an informed decision on how to secure home insurance with your pet by your side.

What breeds are considered “dangerous”?

Insurance companies usually come up with their own list of breeds that they consider to be dangerous. That could be based on their past dealings with claims or with popular perceptions of breeds. Check with your insurance company to see which, if any, breeds they blacklist. The most common are:

  • Pitbulls
  • Rottweilers
  • German Shepherds
  • Dobermans
  • Huskies (Alaskan malamutes and Siberian huskies)
  • Wolf hybrids
  • Chow Chows
  • St. Bernards
  • Great Danes
  • Akitas
  • American Staffordshire Terriers
  • Boxers
  • Perro de Presa Canarios

Why are some dogs blacklisted?

Certain dogs are blacklisted, not because insurance companies don’t like dogs, but because of risk. Insurers are all about weighing risk and the likelihood of a claim. When they see that a certain type of dog is responsible for dog bite claims, they may decide to deny owners of that dog breed coverage. Dogs with aggressive behavior are a major risk as they could bite and seriously hurt someone. If that does occur, your liability within your home insurance would have to step in to cover the cost of the claim. What’s more, bites often require medical attention and can lead to a lawsuit, which insurance companies don’t love.

If you have a dangerous dog, you might have to do your research on which insurers will be willing to provide you coverage. You may also have to consider additional liability insurance. When you’re looking to protect your property, contact your insurance professionals at American Premier Insurance. Our dedicated experts are ready to assist you with all your home insurance needs in Phoenix, Tucson, and beyond.