Will Your Homeowners Insurance Cover You If You Have a Dog?
Dogs are beloved companions in millions of American households, but they also introduce certain risks. If your dog bites someone, you could be held liable for their injuries. This is why it’s crucial to understand how your homeowners insurance policy addresses pet-related incidents.
Liability coverage in a standard homeowners policy often extends to dog bites. However, some insurance companies have specific exclusions. These exclusions typically involve certain dog breeds because of the increased risk they pose.
Top Dog Breeds That Insurers Won’t Cover
Insurance companies assess risk, and certain dog breeds are statistically more likely to cause severe injuries in the event of a bite. Some insurers maintain restricted breed lists to manage this risk.
While specific lists can vary, these breeds are frequently excluded or come with restrictions:
- Akita
- Alaskan Malamute
- Chow Chow
- Doberman Pinscher
- German Shepherd
- Husky
- Mastiff
- Pit Bull
- Presa Canario
- Rottweiler
- Wolf Hybrid
Even if your dog isn’t on a restricted breed list, a history of biting can make it challenging to secure coverage.
Breed-Specific Legislation
Breed-specific legislation (BSL) restricts or bans specific dog breeds within certain cities. The American Society for the Prevention of Cruelty to Animals (ASPCA) and the American Veterinary Medical Association (AVMA) oppose BSL, citing its ineffectiveness and potential to hinder responsible dog ownership. Both organizations support alternative measures, such as:
- Banning dog fights
- Expanding low-cost spay/neuter services
- Enforcing existing dog licensing laws
- Community-based enforcement of animal control
- Education programs about responsible dog handling
What to Do If Your Insurer Won’t Cover Your Dog
If your current insurer excludes your dog or denies coverage, you have options:
- Inquire about an exception if your dog is a certified service animal.
- Consider training your dog and obtaining an American Kennel Club (AKC) Canine Good Citizen certification to potentially qualify for an exception.
- Shop around for a different insurer that does not restrict your dog’s breed.
- Ask your insurer to exclude your dog from the policy and investigate pet insurance specializing in canine liability.
Consult with your insurance company or agent to explore your options.
Insurance Companies That Don’t Discriminate by Breed
Some states prohibit insurers from discriminating against dog breeds. If you reside in such a state and seek a dog-friendly policy, investigate these companies:
- AIG
- Allstate
- Chubb
- Encompass
- State Farm
- USAA (if you are eligible)
These insurers may not exclude specific breeds, or they may have shorter exclusion lists. However, even these companies might deny coverage if your dog has a history of biting.
How Does Your Dog Impact Your Insurance Rate?
Dog bites can lead to substantial medical expenses and legal settlements. The Insurance Information Institute (Triple-I) reports that the average payout for dog bite claims was nearly $58,545 in 2023. If your insurance covers your dog and it bites someone, your premiums could increase.
The specific impact on your premium depends on factors such as your dog’s history and your policy’s terms.
How to Prevent Your Dog From Biting
Preventing dog bites is the best way to avoid insurance claims. The ASPCA and AVMA offer these recommendations:
- Research dog breeds before acquiring a dog.
- Learn to recognize dog body language.
- Supervise children around dogs.
- Train your dog from a young age.
- Expose your dog to various environments.
- Ensure necessary vaccinations and routine veterinary care.
- Adhere to local leash laws.
- Seek guidance from a veterinary behaviorist or dog trainer if your dog displays aggressive tendencies.
Paying attention to your dog’s behavior and body language can help you avoid a problem. Fearful or anxious dogs, for instance, might avoid eye contact, try to shrink, or put their tail between their legs. Dogs that are trying to make themselves look bigger might growl, raise themselves up, or stare straight ahead. Giving the dog space and keeping people away is important for your family’s and your pet’s safety.
Frequently Asked Questions
What happens if I don’t tell my homeowners insurance company about my dog?
Failing to disclose your dog could have serious consequences. If your dog bites someone and you don’t have it listed on your policy, your insurer may deny the claim, leaving you responsible for all related costs.
If my dog is mixed with a breed that homeowners insurance won’t cover, can I get insured?
This depends on your insurer. Be honest about your dog’s breed and bite history to receive accurate policy information. A mixed-breed dog may or may not be covered, depending on the specific breeds involved and the insurer’s policies.
Can an insurer cancel my homeowners insurance if I get a restricted breed?
Yes. An insurance company isn’t obligated to provide coverage and may cancel your policy if you acquire a restricted breed. Lying about having a dog or concealing a bite history can also lead to policy cancellation.
Does homeowners insurance cover dog bites?
Coverage depends on your policy terms. Policies often cover dog bites up to your liability limit, but only if your dog has no prior history of biting. It is best to consult with your insurance provider to clarify what your policy covers.
