Dogs provide unconditional love and loyalty, and they enhance their owners’ lives in many ways. Unfortunately, no matter how well trained or behaved a canine may be, they are still animals that have the potential to become aggressive. As such, it can be challenging to secure adequate homeowners insurance when you own a dog. Before shopping for a policy, you should understand how your pet may affect your coverage. The following information offers useful insight you’ll need to ensure your financial future is properly protected.

What to Know About Homeowners Insurance for Dog Owners

How Does Homeowners Insurance Cover Dogs? 

As a dog owner, you are responsible for any injuries or property damage your pet inflicts on someone else. Generally, the liability portion of the homeowners insurance will help pay the other party’s losses up to your policy limits. However, it won’t cover any damages your furry companion may cause to your own home or personal possessions. Additionally, some insurers may refuse to offer coverage for certain breeds.

Which Breeds Are Difficult to Insure?

There are a variety of dog breeds that insurance companies consider higher risk due to their naturally aggressive behavior. This list will change depending on the provider, but it usually includes Rottweilers, Pit Bulls, Chow Chows, Siberian Huskies, German Shepherds, Alaskan Malamutes, Doberman Pinschers, Akitas, and Wolf Hybrids. 

What Options Do I Have If My Dog’s Breed Is Excluded?

If you own a dog that is commonly identified as dangerous, you may have trouble finding a homeowners insurance company willing to give you coverage. In this case, look into purchasing a standalone pet liability policy, which will cover excluded breeds. You can also talk to an insurance agent about finding a different provider that doesn’t have breed restrictions. 

Am I Required to Tell Insurers I Own a Dog?

You should always be truthful about your dog ownership and its breed when applying for homeowners insurance. Misrepresenting yourself in any way can void your coverage, and if you do need to file a claim, the insurer will have the right to refuse it. This means you will have to pay the expenses out of pocket. You may also be denied future coverage. 

Whether you’re looking to buy homeowners insurance for the first time or you need to find a new insurer that will cover your dog, the professionals at First State Insurance Agency can help. With offices in Beatrice, David City, Hickman, Lincoln, Wilber, and Yutan, NE, they make it convenient for local residents to come and get guidance on customizing a policy that suitably fits their lifestyle and budget. Along with extensive industry knowledge and experience, they offer a broad selection of competitively-priced products from some of the nation’s most reputable carriers. Call (402) 979-7585 to schedule an appointment, or visit them online to request a quote.