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Do You Need Dog-Friendly Homeowner’s Insurance?


WRITTEN BY: Mark Romero

UPDATED: JUNE 02, 2022 | 2 MIN READ

While your pet may seem calm and very well-trained with everyone in the family, it can still become scared or excited with strangers. To ensure you do not end up with a large hospital bill if your pet should bite someone unexpectedly, here are some things you need to understand about dog-friendly homeowner’s insurance. 

Does Having Dogs Make Your Homeowner’s Insurance Increase?

Whether or not having a dog is going to increase your insurance premiums depends on the insurance company and the breed of dog. Dog breeds that are muscular, capable of doing serious injury with a single bite, or are known to be aggressive breeds can cause your premiums to increase. The average dog-friendly homeowner’s insurance price will not increase unless you have a dog breed on their restricted dog list. 

How much will my homeowner’s insurance increase if I get a dog?

If you decide to get a dog that is considered a risk, you can expect your dog-friendly homeowner’s insurance premiums to increase anywhere from $75 to $1,500 annually. The amount of increase depends on the breed of dog, how much it weighs, where you live, and any past aggression problems the dog has. 

Do I need to tell my home insurance company when I get a dog?

It is always a good idea to inform your insurance company if there’s a new risk in your home, including the addition of a dog. 

Why Are Some Dog Breeds Restricted By Home Insurance Carriers?

Any dog can bite, especially if scared or hurt. However, some dog breeds have been found to be more aggressive and dangerous than others. Generally speaking, very muscular dogs and dogs trained for security or protection are seen as a higher risk. If your pet falls into a restricted breed, you can purchase additional dog insurance or an umbrella policy to cover them.

What dog breeds are restricted by insurers?

Some dog-friendly homeowner’s insurance policies have a restricted breeds list and some don’t. Here are the most common restricted breeds:

  • Pitbull
  • Rottweiler
  • German Shepherd
  • Mastiff
  • Cane Corso
  • Wolf Hybrid
  • Chow Chow
  • Doberman Pinscher
  • Akita
  • Shar-Pei

Note: this isn’t a complete list and you should check your insurance policy to see which breeds are restricted. 

What should I do if my insurer won’t cover my breed of dog?

If your homeowner’s insurance doesn’t cover your dog, you can either find a company that will insure you or purchase additional canine insurance to cover dog-related liability issues and possibly pet damage.

Does my homeowner’s insurance cover dog bites?

Yes, your liability insurance covers dog bites as long as your dog isn’t a restricted breed. However, it’s common for insurers to cancel a homeowner’s policy at renewal after a dog-bite home insurance claim. At the very least, it would increase your rates and probably exclude any further incidents from coverage.

How to Get Dog-Friendly Homeowner’s Insurance

The best way to ensure you have a dog-friendly homeowner’s insurance policy is to ask your insurance company what dog-related claims are covered. They’ll also tell you which dogs they do and don’t insure.

Is it harder to get homeowner’s insurance with dogs?

As long as your dog is not on the restricted list, it’s not hard to purchase dog-friendly homeowner’s insurance. If you own a restricted breed, you might have to shop around a bit more to find an insurer.

What are some dog-friendly homeowner’s insurance companies?

Some dog-friendly home insurance companies include:

  • AIG
  • American Family
  • State Farm
  • Allstate
  • USAA

Dog-Friendly Homeowner’s Insurance FAQs

Do I have to tell my homeowner’s insurance company I got a dog?

It’s best to tell your home insurance company when you get a dog to make sure you have the right amount of coverage.

Can homeowner’s insurance drop you because of a dog bite?

Yes. Insurance companies can choose to not renew your home insurance policy after a dog-bite claim. If the company renews your policy, you’ll probably see a rate increase, and the terms could exclude any further dog-related claims. 

Does a dog impact home insurance?

As long as your dog is not on the restricted breeds list and does not bite anyone it will not have an impact on your homeowner’s insurance.

What is pet liability insurance for homeowners?

Pet liability insurance covers the cost of medical bills if your pet injures someone. It also covers the cost of repairing or replacing another person’s property if it was damaged by your pet.

Is there really a dog breed blacklist and, if so, what dogs are on it?

Different states, cities, and insurance companies have a list of dog breeds that are considered to be aggressive and/or dangerous. Not all lists are the same. However, the most common breeds on the list include Pitbulls, Rottweilers, German Shepherds, and Doberman Pinschers.

The Easiest Way to Find Dog-Friendly Homeowner’s Insurance

The easiest way to find dog-friendly homeowner’s insurance is to get several home insurance quotes and review what each one covers. Be sure to read the fine print to see whether any dog breeds are restricted.

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