[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.agilerates.com\/advice\/home\/restricted-dog-breeds\/#BlogPosting","mainEntityOfPage":"https:\/\/www.agilerates.com\/advice\/home\/restricted-dog-breeds\/","headline":"Restricted Dog Breeds For Homeowner’s Insurance","name":"Restricted Dog Breeds For Homeowner’s Insurance","description":"Owning a dog means you’re responsible for the damages it causes, whether digging in a neighbor\u2019s yard or biting someone. Homeowners insurance provides coverage for these actions. Some insurers offer coverage, but not for restricted dog breeds.  Which Restricted Dog Breeds Will Homeowner\u2019s and Renter\u2019s Insurance Not Cover? There are restricted dog breeds that insurers […]","datePublished":"2022-08-15","dateModified":"2023-08-07","author":{"@type":"Person","@id":"https:\/\/www.agilerates.com\/author\/mark-romero\/#Person","name":"Mark Romero","url":"https:\/\/www.agilerates.com\/author\/mark-romero\/","image":{"@type":"ImageObject","@id":"https:\/\/www.agilerates.com\/wp-content\/uploads\/2022\/06\/Mark-Romero-150x150.png","url":"https:\/\/www.agilerates.com\/wp-content\/uploads\/2022\/06\/Mark-Romero-150x150.png","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Agile Rates","logo":{"@type":"ImageObject","@id":"https:\/\/dev.agilerates.com\/wp-content\/uploads\/2019\/11\/unnamed.png","url":"https:\/\/dev.agilerates.com\/wp-content\/uploads\/2019\/11\/unnamed.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.agilerates.com\/wp-content\/uploads\/2022\/08\/Restricted-Dog-Breeds.jpg","url":"https:\/\/www.agilerates.com\/wp-content\/uploads\/2022\/08\/Restricted-Dog-Breeds.jpg","height":1600,"width":1600},"url":"https:\/\/www.agilerates.com\/advice\/home\/restricted-dog-breeds\/","about":["Home","Insurance Advice"],"wordCount":820,"articleBody":"Owning a dog means you’re responsible for the damages it causes, whether digging in a neighbor\u2019s yard or biting someone. Homeowners insurance provides coverage for these actions. Some insurers offer coverage, but not for restricted dog breeds. Which Restricted Dog Breeds Will Homeowner\u2019s and Renter\u2019s Insurance Not Cover?There are restricted dog breeds that insurers refuse to cover. They exclude certain breeds and large dogs from liability coverage. In addition, insurers don\u2019t provide coverage for trained attack dogs, aggressive breeds, and dogs with a history of violence.Breeds excluded from homeowners insurance:PitbullAkitaGerman ShepardRottweilerDoberman pinscherAlaskan MalamuteChow ChowGreat DaneStaffordshire terrierMastiffSiberian huskieCane CorsoWolf hybridWhen Doesn\u2019t Your Home Insurance Cover Your Dog (Even If It\u2019s Not a Restricted Breed)In certain situations, insurers don\u2019t cover your dogs even if they aren\u2019t restricted dog breeds. Below are the following reasons insurers won\u2019t cover you:Damage to your home or personal propertyCoverage is not included if your dog damages your home or personal property. If your dog chews through a dog, you might be covering those costs yourself.History of bitingDoes who have a history of biting people, dog bite claims are likely to be excluded from your policy unless you sign a liability for dog bites. If your dog bites someone on your property, it won\u2019t cover legal or medical bills.If your dog bites or injures youPersonal liability coverage only includes coverage if someone else is bitten, not you. If a dog bites you and you have to go to the hospital, you wouldn\u2019t be able to claim on your homeowners insurance. Will Your Dog\u2019s Breed Increase Your Home Insurance Premium?Restricted dog breeds may increase your homeowners insurance premiums, especially if you have filed a claim. In addition, some insurers cancel insurance policies if a pet bites, or injures someone, even if the dog was provoked.Alternative Insurance Options For People With Restricted Dog BreedsIf you don\u2019t want to change insurance companies but want coverage for your restricted dog breed, there are some options. Canine Liability InsuranceCanine liability insurance is a dog-friendly insurance policy that covers any breed of dog. It\u2019s purchased through smaller insurance companies, and you still have to notify your insurer that you have a restricted dog breed. Umbrella PolicyAn umbrella policy covers you if your dog causes damages or injuries. It supplements your standard homeowner\u2019s policy but offers a greater liability limit. If your dog causes $400,000 in injuries, but your standard policy only covers $300,000, the umbrella insurance would cover the remaining $100,000.8 Dog-Friendly Home Insurance CompaniesMany insurance companies are dog-friendly. Some places offer you coverage if it\u2019s necessary to have coverage for your pet just in case something happens.ChubbHippoPlymouth RockState AutoState FarmAIGEncompassSafecoShould I get pet liability insurance?It’s a specialized policy that covers all breeds for damage and injuries. Pet liability insurance covers your dog\u2019s care, vaccinations, and physical exams. Adding it to your current policy is simple, or you can take it on as a separate policy. It\u2019s a great option if you aren\u2019t able to get a company to include your dog in your homeowners coverage.FAQsWhat dog breeds affect homeowners insurance?Breeds excluded from homeowners insurance are Pitbulls, Akitas, German shepherds, Rottweilers, Doberman pinschers, Alaskan malamutes, Chow chows, Great Danes, Staffordshire terriers, Mastiffs, Siberian huskies, Cane Corso, and any wolf hybrids.Does owning a certain breed of dog make you ineligible for homeowner\u2019s insurance?No, you may just have to pay a higher insurance premium. Dog breeds typically associated with higher insurance premiums include Rottweilers, German Shepherds, Pitbulls, Doberman Pinschers, Akitas, Siberian Huskies, and wolf-dog hybrids.Can I get homeowners insurance if I own a pitbull?Yes, there is separate pitbull liability insurance. You can add to your standard homeowners insurance to ensure that you’re covered if your dog bites someone. Are German Shepards a restricted dog breed?Yes, German Shepherds are on the list of restricted dog breeds and may or may not be covered by homeowners insurance. Does USAA have dog breed restrictions?A great homeowners insurance company that’s pet-friendly is USAA. It only serves members of the U.S. military and their families, but they don\u2019t have dog breed restrictions. They only consider restrictions if the dog has a history of biting. So, if your pitbull has a clean track record, it qualifies for coverage.How To Get Home Insurance With Restricted Dog BreedsFinding home insurance with restricted dog breeds is as simple as picking up the phone. It\u2019s always good practice to call around to at least three places to ensure you are getting the best rates available. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Advice","item":"https:\/\/www.agilerates.com\/advice\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Home","item":"https:\/\/www.agilerates.com\/advice\/\/home\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"Restricted Dog Breeds For Homeowner’s Insurance","item":"https:\/\/www.agilerates.com\/advice\/home\/restricted-dog-breeds\/#breadcrumbitem"}]}]