What Dog Breeds Are Not Covered By Insurance
Edward R. Forte
October 19, 2021
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However, insurance companies may not cover damage from large dog breeds, such as pit bulls, rottweilers and Dobermans, or those that have a reputation for being aggressive, as they are a bigger risk to insure.If your insurer won't cover your restricted breed of dog, you can better protect yourself from liability by purchasing dog-specific liability insurance or, in some cases, umbrella liability coverage.Of the breeds on this list, pit bulls, rottweilers and wolf hybrids most often have some kind of limit and are more likely to have a severe restriction or be prohibited altogether.If you own one of these breeds, your home insurance company might require you to exclude dog liability coverage from your policy, increase your rates or cancel your policy altogether.If your city has a breed law on the books, it may be difficult or impossible for you to legally own one of the banned dog breeds.However, if your dog is one of the most notorious breeds, like a pit bull or a wolf hybrid, you're more likely to have to agree to an exclusion.If this happens, your liability insurance would not cover you in the event of a dog bite.If you own a pit bull and rent your apartment, for example, you may have to pay a higher premium, or your renters insurance may not provide coverage for damage your dog causes.Not all insurers discriminate based on dog breed, so if your current company won't sell you a home insurance policy, you are likely to be able to find another insurer that will.If shopping around isn't an option and you're sure you have a restricted breed, you may be able to protect yourself with a dog liability insurance policy or an extended umbrella policy.Other insurance companies that provide insurance to dog owners regardless of breed include USAA and Chubb, but these companies may charge you more for owning a restricted breed of dog, so it's still worth shopping around to get the best deal.Insurance companies that do discriminate by dog breed.On the other hand, some companies have gone on record saying that they do consider a dog's breed when deciding whether to insure it.Allstate American Family Auto-Owners Farmers Akitas American bulldogs Chow chows Doberman pinschers Mastiffs Pit bulls Rottweilers Staffordshire terriers Wolf hybrids Presa Canarios Dingos Alaskan malamutes Show All Rows.Nationwide Progressive Travelers Akitas American bulldogs Chow chows Doberman pinschers Mastiffs Pit bulls Rottweilers Staffordshire terriers Wolf hybrids Presa Canarios Dingos Alaskan malamutes Show All Rows.Each insurance company has a different list of dogs it is concerned about, so you may be able to buy a policy from one of these insurers, even if others won't cover you.Many insurance companies consider your dog's breed when deciding whether to offer you homeowners insurance or the rate to charge you. Breed is not a perfect indicator of whether a dog will bite someone or cause property damage.
Top 15 Dog Breeds No Insurance Company Wants to Cover
But insurance companies label many types as “dangerous dogs” they won’t cover.Plus, your neighbors probably won’t be stoked if you decide not to pick up after your Great Dane — this could create sizable problems.Next: The next dog breed was originally bred to herd cattle.Next: The “Rocky” of dog breeds won’t win with insurance companies.Next: These lion-hunters can still be a threat.Loyal and mischievous, these large canines are generally standoffish but can become aggressive if they’re not socialized.Next: These dogs have the same reputation as German shepherds.Because of their use with law enforcement, Dobermans carry the same reputation as breeds like German shepherds.Due to their fierce loyalty and love for their families, they make great family pets but they will also aggressively guard their families against intruders.Pit bulls are actually a terrier mix, not necessarily a breed, which explains its differing looks.Pit bulls are strong and agile, and their use in dog fighting likely led to their label as “dangerous.” However, the United Kennel Club doesn’t recommend using pit bulls as guard dogs because they are “extremely friendly, even with strangers.” Maybe insurance companies don’t like that they’d let someone rob your house.Next: Can you pronounce this dog breed?The insurance company considered this dog breed high-risk.Similar to an Alaskan malamute, Siberian huskies are close cousins to their wild wolf counterparts and might make people nervous due to their looks.Your insurance company probably won’t like that.You do hear of chow attacks here and there, and their lion-like appearance might be unsettling to some.Next: This Japanese dog is known for its loyalty.There are isolated instances of Akita attacks, and it’s fueled the idea they’re a dangerous breed.Next: This snow-loving breed could take you on a ride.The Alaskan malamute is a close offshoot from the wolf.Next: The name of this dog breed is a mouthful.However, he loves his family, similar to the Bullmastiff, and will do just about anything for them.Next: This breed’s looks may scare people.You can’t blame insurance companies and neighbors for being wary of your wolf hybrid.For that reason, wolf-hybrids are considered dangerous and problematic to have as pets.But if you hope to get insured, owning any of these breeds can make it difficult or more costly. .
The Prohibited Lists: Home Insurance Dog Breed Restrictions
Dogs such as pit bulls, Rottweilers, Chows, Presa Canarios and Akitas are often on banned-dog lists by home insurance companies.But some home insurance companies have lists of prohibited dog breeds -- they will not sell coverage to you, or will exclude liability and medical payments coverage for dog-related injuries -- if you own a prohibited breed.EverQuote analyzed lists of prohibited dogs from state insurance filings to find the most-banned breeds.More: See our full study of dogs on home insurance banned lists.You may have an exceptionally hard time if the dog has already bitten someone or you have a pit bull or Rottweiler, which are typically considered aggressive.But before you buy one for this purpose, confirm the umbrella policy covers dog-related injuries.But before you buy one for this purpose, confirm the umbrella policy covers dog-related injuries.Canine liability insurance policies are typically offered by "excess" or "surplus" lines insurers.However, many types of specialty policies are sold by excess and surplus lines insurers.Ask an independent insurance agent what your options are for canine liability policies.Socialization and supervision help reduce dog bites, according to The Humane Society.Socialization and supervision help reduce dog bites, according to The Humane Society.More tips on preventing dog bites are available from The Humane Society.Dogs aren't the only animals that might be banned by home insurance companies. .
These Dogs Are NOT Allowed On Most Homeowners Insurance
This is essential information to know, though, as insurance can cover damages and injuries from a canine.More importantly, it’s best to know this important info before adopting altogether.Most people are aware that some dog breeds tend to be more aggressive than others.The dog breeds that are most commonly excluded from a homeowners insurance policy include:.Unfortunately, the dogs on this list have a reputation for being more aggressive than other breeds.With aggressive tendencies, it is far more challenging to find a homeowners insurance policy that will cover your pet.Another reason why these breeds might be automatically rejected is if they:.Here are some ideas to try when dealing with a restricted dog breed.Click on the button below to get a quote in minutes from multiple top providers:.This umbrella liability policy will offer an exact amount of coverage for incidents that occur in the home.Sometimes, this type of liability has to be purchased separate from your homeowner’s insurance policy.If the dog passes, it will be given a Canine Good Citizen award (CGC).If your dog causes damage or injury, you will be paying out of pocket.You can minimize the risk by having your canine thoroughly trained and socialized, especially from a young age.However, these are not the full-proof way to ensure that no incidents will happen on your property.What If I Don’t Tell the Insurance Company About My Restricted Dog?Therefore, you likely won’t get in trouble should something happen on your property.That way, you won’t have to worry about any potential out of pocket expenses.You also won’t have to fear denial or cancellation of your policy in the future.That is because they have a tendency to be aggressive, and insurance companies do not want the liability. .
Spotlight on: Dog bite liability
The American Veterinary Medical Association says there are nearly 77 million dogs living in U.S.Millions of people are bitten by dogs every year, mostly children.In 2017, of the 350,000 people treated for non-fatal dog injuries, nearly 10,600 were children two years old or younger.However, once a dog has bitten someone, it poses an increased risk.The number of dog bite claims nationwide fell in 2020 to 16,991 from 17,802 in 2019—a 4.6 percent decrease, according to an analysis of homeowners insurance claims data by the Triple-I.In 17 states and the District of Columbia, liability is not automatically granted but attacks are classified as misdemeanors or, in extreme cases, as felonies, with fines.There are no laws for dog bites in four states—Arkansas, Kansas, Mississippi and North Dakota.By year end-2019 there were 40 counties and 1,160 cities that had “breed specific” statutes that identify breeds such as pit bulls as dangerous and prohibit ownership.With regard to insurance, at least two states, Pennsylvania and Michigan, have laws that prohibit insurers from canceling or denying coverage to the owners of particular dog breeds in some policies.Some states could exclude coverage after a dog bite, such as Ohio, which also requires owners of dogs that have been classified as vicious to purchase at least $100,000 of liability insurance.The American Kennel Club says that while many municipalities have enacted bans on specific breeds, about a dozen states have laws barring municipalities and counties from targeting individual breeds.Additionally, a February 2021 survey from the Insurance Research Council, Consumer Responses to the Pandemic and Implications for Insurance, found that 21 percent of homeowners reported adopting a dog in 2020.There are three kinds of law that impose liability on owners: 1) A dog-bite statute: where the dog owner is automatically liable for any injury or property damage the dog causes without provocation. .
14 Dog Breeds Blacklisted by Insurance Companies
In association with National Dog Bite Prevention Week (which occurs in May annually) a number of insurance companies have issued their lists of dog breeds that they consider dangerous and according to their rules can result in denial of coverage.These lists have various names depending on the company, such as "excluded dog breeds," "aggressive dog list," "insurance list of dangerous dogs," "prohibited dog breeds," and one simply labels it their "bad dog list.".The dog breeds that can be found on these lists seem to be drawn from a series of research studies, such as one commissioned by the U.S.Although the Presa Canario remains a rare breed in North America, it now seems to appear on every prohibited dog breed list issued by insurance companies.In the U.S., the states of Michigan and Pennsylvania have restricted the use of dog-breed profiling by insurance companies.Ten other states have pending legislation that would similarly prohibit companies to deny insurance to someone based only on the breed of dog in their household.That means that it's already too late for the insurance company because they will have to cover the claim under the pre-existing unrestricted policy.No specific scientific criteria are required for a dog breed to be blacklisted, and it is possible that simply one report in the media might be enough to cause an official in an insurance company to decide that one or another dog breed is dangerous.I suppose that if such a dog became really angry at your shoelaces he could do great harm to your running shoes but I fail to see how this breed could reasonably be entered onto a list of dangerous dogs and effectively classed the same as a 120-pound (55 kg) Presa Canario or a 200-pound (90 kg) Mastiff. .
Dog breeds that drive up home insurance rates
In this article, we’ll explain which dog breeds worry insurance companies, what to do if you’re denied coverage and how you can get insurance with a restricted pet breed.Below is a list of dog breeds that are often restricted on homeowners insurance policies:.If you own a dog breed that is included on the list above or is restricted by an insurance company, it can have an impact on your homeowners insurance policy.Homeowners that own certain dog breeds may be able to get regular home insurance coverage, but with exclusions.The worst-case scenario is that you could get denied insurance coverage because of the dog you own, especially if it has a history of aggressive behavior.If you are denied homeowners insurance because of your dog, there are ways to get coverage.If your insurer restricts your pet’s breed, you could shop for a different home insurance provider that will offer you coverage.It’s also possible that the pet shop or shelter you got the dog from wasn’t positive about the dog’s breed.Some home insurance companies restrict certain dog breeds because there is a greater chance of liability claims.If you own a dog on the restricted breed list and the dog bites your neighbor, you will file an insurance claim to pay for your neighbor’s injuries.Dogs that aren’t on the restricted list could become aggressive and bite, and there’s no guarantee that a restricted breed dog will cause any problems.Insurance companies can deny coverage if you have a certain dog breed.The following insurance companies will sell insurance to anyone with a dog, regardless of the breed:.If you have a restricted dog breed, you can still get coverage.You love your dog like family, so it’s frustrating when your dog’s breed makes it difficult to get homeowners insurance coverage.Pit Bulls, German Shepherds, Chow Chows, Rottweilers and Doberman Pinschers are all examples of dogs that are often found on the restricted breed list.However, it’s still possible to get home insurance even if you have one of these breeds. .