Owning a dog can bring joy and companionship to our lives. However, when it comes to home insurance, certain breeds can create complications. Some home insurance companies have breed restrictions in place, which means that if you own one of these breeds, there may be no liability coverage if your dog injures someone or damages their property. In this article, we will explore the dog breeds commonly banned by insurance companies and provide guidance on how to navigate this issue.
Dog Breeds Most Often Banned by Homeowners Insurance Companies
Insurance companies are not always transparent about the breeds they ban, making it challenging for homeowners to select the right company. After analyzing over 40 home insurance companies across the country, we have identified the top 12 dog breeds that are most often banned:
- Doberman Pinscher
- Pit bull
- Rottweiler
- Chow Chow
- Wolf dogs and hybrids
- Presa Canario (canary dog)
- Akita
- German Shepherd
- Husky
- Mastiff
- Alaskan Malamute
It’s important to note that the term “pit bull” encompasses several Bull Terrier breeds and mixes. These include American Bull Terriers, American Staffordshire Terriers, Bull Terriers, and Staffordshire Bull Terriers.
Why Do Some Insurance Companies Deny Certain Breeds?
The simple answer is risk exposure. In 2021 alone, home insurance carriers paid over $882 million for 17,989 dog bite liability claims, according to the Insurance Information Institute. Insurance companies aim to minimize costly claims, and certain breeds have a higher likelihood of being involved in dog bite incidents. While some companies may assess each dog’s temperament and history individually, many opt for blanket bans on breeds most prone to biting. Unfortunately, this approach prevents professionally trained assistance, search and rescue, and therapy dogs from being covered.
Is Dog Breed Discrimination Legal?
In most states, dog breed discrimination is legal. However, some states have passed legislation to limit or eliminate breed discrimination by home insurance companies. Additionally, certain states may not allow breed discrimination but enforce other requirements, such as a minimum amount of liability insurance coverage for specific dog breeds. States with limitations on breed discrimination, or no breed discrimination at all, include Connecticut, Michigan, Nevada, New York, and Pennsylvania. It’s important to be aware that local cities and counties can also ban certain dog breeds, even if your home insurance company doesn’t. Ensure you understand the regulations in your area.
The Consequences of Dog Breed Bans
Breed bans often lead to dog owners surrendering their pets to overcrowded animal shelters. Shelter life can negatively impact a dog’s temperament, causing anxiety and other undesirable behaviors. Additionally, banned dogs find it challenging to be adopted, especially when insurance companies and breed-specific legislation make it more difficult to find suitable homes. Breed bans can also encourage irresponsible dog ownership, as owners may avoid seeking veterinary care or neglect their dog’s well-being to avoid detection.
When Are Dogs Not Covered by Homeowners Insurance?
Breed bans are not the only reason a dog may not be covered by homeowners insurance. A history of property damage or biting can also cause a dog to be excluded. If your dog has a bite history, your insurance company may require you to sign a liability waiver or exclude the dog from liability coverage. Furthermore, home insurance won’t cover any claims related to property damage caused by your dog, whether it’s your belongings or someone else’s property.
What Can I Do if My Insurer Won’t Cover My Dog?
If your insurer won’t cover your dog due to its breed, there are a few options to explore:
Ask About Exceptions
While some insurance companies have strict breed bans, others may evaluate dogs on a case-by-case basis. You can inquire if your insurer accepts documentation that proves your dog’s temperament. This documentation might include references from the dog’s foster parents, neighbors, or veterinarian. Additionally, your insurance company may require certain conditions, such as training or specific yard requirements, before providing coverage. If your dog is a certified therapy or service dog, inform your insurer, as this can contribute to a positive assessment.
Shop Around
Not all home insurance companies have breed restrictions. By shopping around, you can find insurers that don’t ban your dog’s breed or have specific pet restrictions. It’s crucial to be transparent about having a dog and inquire about any potential exclusions or additional premiums based on the breed.
Consider Alternative Insurance
If you prefer to stick with your current insurer or cannot find one that accepts your dog’s breed, alternative insurance options may be worth exploring. Umbrella insurance policies or canine liability insurance can provide additional coverage, especially in cases where the primary home insurance policy has breed restrictions. These policies can protect you financially in the event you need to file a liability claim related to your dog.
What Can I Do to Help Prevent My Dog from Biting?
Preventing dog bites requires responsible pet ownership and proper training. Selecting the right dog for your family based on temperament, size, and energy level is crucial. Providing appropriate training, regular exercise, and spaying or neutering your pet can help prevent aggressive tendencies. Educating your family and friends on how to approach dogs and socializing your dog with different people and situations are also essential steps. Paying attention to your dog’s body language and being aware of its triggers can further reduce the risk of biting incidents.
Owning a dog is a significant responsibility. By ensuring your dog receives proper care, training, and socialization, you can reduce the likelihood of incidents and protect yourself and your dog. Remember to consult with your insurance company to understand their specific requirements and coverage options.
FAQs
Q: Are there specific dog breeds that home insurance companies commonly ban?
A: Yes, some home insurance companies have breed restrictions in place. The most commonly banned dog breeds include Doberman Pinschers, pit bulls, Rottweilers, Chow Chows, and Wolf dogs and hybrids, among others.
Q: Is dog breed discrimination legal?
A: Dog breed discrimination is legal in most states. However, some states have passed legislation to limit or eliminate breed discrimination by home insurance companies. Certain states may not allow breed discrimination but enforce other requirements, such as a minimum amount of liability insurance coverage for specific dog breeds.
Q: What can I do if my home insurance company won’t cover my dog due to its breed?
A: If your insurance company won’t cover your dog due to its breed, you have several options. You can ask if exceptions can be made based on your dog’s temperament and history. Shopping around for insurance companies without breed restrictions is another possibility. Alternatively, you can consider alternative insurance options, such as umbrella insurance or canine liability insurance.
Q: How can I prevent my dog from biting?
A: Preventing dog bites involves responsible pet ownership, proper training, socialization, and understanding your dog’s body language and triggers. Being a responsible pet owner includes selecting the right dog for your family, providing training and regular exercise, and spaying or neutering your pet. Educating your family and friends on appropriate approaches to dogs is also crucial. Socializing your dog early with different people and situations helps them feel comfortable in various environments.
Q: What are the consequences of breed bans?
A: Breed bans often lead to dog owners surrendering their pets to overcrowded animal shelters. Dogs in shelters may experience negative effects on their temperament and behavior. Additionally, breed bans can encourage irresponsible dog ownership and hinder the adoption of banned breeds.
Conclusion
While some insurance companies impose breed restrictions on homeowners insurance, it’s important to explore your options and find a solution that suits your needs. By understanding the common dog breeds banned by insurance companies and taking preventive measures, you can protect yourself, your dog, and your property. Remember to research different insurers, ask about exceptions, and consider alternative insurance options to ensure your dog is adequately covered. Responsible pet ownership, including training and socialization, also plays a crucial role in preventing dog bite incidents.
