In a nation where dogs are referred to as man’s best friend, it should come as no surprise that these furry companions can be found in more than 40% of American households. Despite this, dog owners are often faced with serious challenges when it comes to securing homeowners insurance. Dog bites are common reasons for liability claims, and as a result, insurers can be cautious about the coverage they provide. As such, if you own a canine, it’s important to be well informed before shopping for a policy. The following guide offers valuable insight into what you can do to ensure you’re properly protected.
What to Know About Homeowners Insurance if You Have Dogs
Will Homeowners Insurance Cover My Dog?
Through the liability portion of your coverage, basic homeowners insurance policies will help cover injuries and property damage your dog causes someone else. However, it won’t pay for any damages it does to your home or belongings. Furthermore, there are some breeds that aren’t covered at all.
Which Breeds Are Typically Excluded From Coverage?
Many homeowners insurance companies consider certain dog breeds to be particularly high-risk because of their aggressive nature and will exclude them from coverage completely. While this list can change over time and may vary by state or provider, it typically includes Chow Chows, Pit Bulls, Rottweilers, Siberian Huskies, German Shepherds, Dobermans, Akitas, Mastiffs, Alaskan Malamutes, and Wolf Hybrids.
What Should I Do if Own an Excluded Breed?
If you own a breed that can’t be insured by a standard homeowners insurance policy, you may explore a couple other options. Some umbrella policies will extend your liability coverage to include dog-related injuries and damages caused by high-risk canines. You may also buy a standalone pet liability policy that is specifically designed to cover excluded breeds. Additionally, your insurance agent can help you find a different policy that doesn’t have breed restrictions.
Do I Have to Tell My Insurer I Have a Dog?
An insurance policy is a contract between you and your insurer. Thus, it’s not acceptable to misrepresent yourself in any way when applying for coverage. It’s important to be honest about your dog ownership, as failing to do so will give your provider the right to void your policy and refuse to pay your future claims. If you get a dog after purchasing homeowners insurance, it’s your responsibility to make the necessary adjustments to your policy right away.
If you’re looking for high-quality homeowners insurance that will cover your dog, turn to Heritage Insurance Agency. With nearly three decades of industry experience, they have helped countless dog owners in and around the Lexington, KY, community find reliable and affordable coverage. As an independent agency, they can offer you access to products from a variety of insurers and assist you in customizing a policy that takes care of your unique needs. Call (859) 219-1122 to schedule an appointment, and visit them online to request a free insurance quote.