Dogs and Home Insurance

That Dog May Cancel Your Homeowners Insurance

You’ve always wanted a German Shepherd. Not only does the breed seem affectionate with you and your family, it provides excellent security. Nobody is going to mess with you when you take your pet out for a walk. It will also protect your home by barking up a storm and confronting any intruders. So you take the trouble to choose a purebred pet by visiting a well-respected kennel and selecting a pup. After you’ve taken it home, your homeowners insurance is suddenly canceled.

Insurers take a dim view of certain dog breeds because they’re perceived to cause more injuries that lead to claims. Or your company may respond to your new pet by specifically including injuries caused by it, which you may not find out until you file a claim. They may also just cancel your insurance or refuse to provide you any coverage.

Dog breeds most likely to cause problems include: Akitas, Alaskan Malamutes, Cane Corsos, Chows, Doberman Pinschers, German Shepherds, Great Dances, Mastiffs, Pit Bulls, Rottweilers, Siberian Huskies, Staffordshire Terriers, and Wolf Hybrids. Your pet does not have to be a pure-bred. If it contains genes from any of these breed pools, it may cause the cancellation.

To avoid any problems, read your policy and then contact your insurance agent before you fall in love with a breed or a dog. He’ll be able to tell you if your selection can cause issues. He may also be able to offer an alternative dog breed that isn’t a problem for the insurer. Be aware that companies can change their policies towards dogs at any time.

For more information on homeowners insurance, please contact us.

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