Dog Owner Liability

Certain dogs, particularly large or notoriously aggressive ones, can affect your homeowners insurance premiums.

Large dogs can be considered a liability to insurance companies because if anyone is injured while on your property due to that animal, the insurance company may have to pay for that person’s medical bills. Typically, anyone who owns a dog breed, which insurance companies say tend to bite more, can face limited or no coverage.

According to the insurance industry, there are eleven breeds that make many bad dog lists. These include Rottweilers, Siberian Huskies, Pit Bulls, Chows, Presa Canario, Akitas, German Shepherds, wolf hybrid breeds, Staffordshire Bull Terriers, Doberman Pinschers, and Alaskan Malmutes.

Many dog owners argue that their pets should be free of discrimination and should be treated as individuals. Some states have considered barring insurers from making determination based on breeds because of the natural advantage these dogs have for deterring trespassers and potential burglars.

In the event your insurance company balks at the prospect of you owning a large dog such as one listed above, you may have to purchase a special dog owner insurance liability exclusion for your policy.

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