Dogs add a ton of joy to their owners’ lives, but they can also cause some problems. Some breeds may affect your home insurance coverage to account for the added risk. If you’re shopping for policies, here’s what to know about this topic.

What Dog Owners Should Know About Home Insurance

Are dogs covered under home insurance policies?

Most standard home policies cover general liability, which includes issues like your dog biting someone else or causing damage to their property. However, policies vary, so it’s important to speak with your provider about your coverage. Also, you must report your dog to your provider to ensure any future incidents are covered.

Will my pet affect my rates?

Dogs bring added risk for insurers, so they generally lead to increased premiums. Some cost more than others to insure.

Specifically, pets with biting records or breeds that are considered aggressive are likely to increase rates more than small, home-bound dogs. Some insurers may refuse coverage to owners of certain breeds based on perceived risks.

What breeds are insurance companies most concerned about?

Insurers base their breed exclusions on general bite and injury statistics. Large dogs or those with aggressive temperaments (even if your specific pet is calm and friendly) are most likely to be excluded from coverage. Examples include akita, pit bull, rottweiler, Siberian husky, doberman pinscher, and Alaskan malamute.

What can I do to ensure my dog is covered?

If your regular home insurance policy doesn’t include liability coverage for your dog based on their breed or other factors, you might still be able to get a separate liability policy. Some insurers may require behavior training, muzzling, or other steps, while others don’t discriminate based on breed.

Working with an independent agent allows you to compare providers and find policies that cover your dog at affordable rates. If you’re looking for home insurance for your family, turn to Edwards Insurance Agency in Tomah, WI. This agency works with customers statewide to find the best deals and coverage options. They have a wide pool of provider choices, allowing you to customize your end product. Visit their website to see a full list of options, or call (608) 269-4512 to discuss your needs.