Buzz
Owning property means homeowners insurance is an inevitable cost. Unfortunately, for dog owners, having a dog—especially specific breeds—can raise insurance premiums. Here's why: dog-related injuries led homeowners insurers to pay out $797 million in 2019, and claims for dog bites continue to rise, according to the Insurance Information Institute.
To reduce risk, insurers might increase premiums for certain dog breeds or even deny coverage completely. However, if you own a ‘high-risk’ breed, you still have options. Here's what you need to know:
Homeowners insurance can include coverage for dog bites
Homeowners and renters insurance policies generally cover dog bites—if your dog isn't on a restricted breed list—up to the liability limits. These limits usually range from $100,000 to $300,000, and if the cost of a dog bite exceeds your policy limit, you'll be responsible for the difference. (This is a good reason to consider a personal umbrella liability policy.)
Reduced coverage for high-risk dog breeds
As Money reports, insurance companies monitor which dog breeds are linked to attacks—and potential insurance claims—so they may adjust premiums to reflect the associated risk. According to the report, many companies won't provide coverage for the following dog breeds:
Chows
Doberman Pinschers
German Shepherds
Pit bulls and Staffordshire Terriers
Presa Canarios
Rottweilers
Breeds such as Akitas, Alaskan Malamutes, Great Danes, Siberian Huskies, and wolf hybrids are also typically excluded by homeowners insurance companies.
How to find an insurer that won't judge your dog
If you have a 'high-risk' dog breed—or are planning to adopt one—the good news is that not all insurers will discriminate. In fact, some companies are known for being more accommodating.
State Farm is a great example. According to the company's website, 'any dog might bite, regardless of breed,' and State Farm does not inquire about your dog’s breed when underwriting homeowners or renters insurance.
ValuePenguin reports that coverage may also be available through companies like USAA or Einhorn Insurance, though these insurers may increase rates for those with high-risk dog breeds.
Here’s more good news: If you live in Pennsylvania or Michigan, it’s illegal for your homeowners or renters insurance to discriminate against your dog’s breed. Other states—like Maryland—are also considering similar laws.
However, there’s no guarantee that an insurance company won’t cancel your policy later. Any insurer may refuse coverage based on your dog’s past behavior or potential future actions.
