Your dog may be a treasured member of your family, but he’s also an animal capable of injuring a visitor, passer-by, or another dog. Fortunately, homeowners insurance policies will usually pay for any damages your pets might cause, but owning a dog will impact your premiums and policy limits. Below are answers to a few common questions about how dogs might affect your home insurance.

FAQ About Dogs & Homeowners Insurance

How much liability coverage do I need?

The standard homeowners insurance policy includes between $100,000 and $300,000 in liability coverage, which is used to compensate anyone your dog injures. Because medical expenses are so expensive, most experts recommend extending liability coverage equal to the value of all your other assets.

Are certain breeds excluded from coverage?

Some dog breeds are responsible for more bites than others, so insurance companies may hesitate to cover them. Homeowners insurance policies often exclude wolf hybrids, Siberian Huskies, German Shepherds, and pit bull breeds.

Will my homeowners insurance provider cancel my policy if I get a dog?

If your new dog is on your insurance company’s list of restricted breeds, they may cancel your policy or refuse to renew when it expires. Others may decide to exclude your dog from coverage, but you can purchase an additional umbrella or pet liability policy.

What should I do if my insurer cancels my policy?

Fortunately, many homeowners insurance carriers don’t discriminate against specific breeds, so an independent agent will usually find a policy that covers your furry friend. Carriers may base their rates on your individual dog’s history, training, and temperament, so shopping around will usually get you a better deal.

For over a century, the independent agents at Hummel & Plum Insurance Agency have helped homeowners throughout Circleville, Chillicothe, Ashville, Mt. Sterling, and Central Ohio protect what matters most. They maintain relationships with a wide range of providers, so you can count on them to find a homeowners insurance policy that protects you, your dog, and your assets. To view a full list of their insurance services, visit their website or call their offices at (740) 773-1620 today.