Does Homeowners Insurance Cover Dog Bites? – It Depends
When you’re choosing a homeowner’s policy, you have to keep in mind the risks that you bring with you. Those risks include the family dog. Unfortunately, insurance companies are reluctant to provide coverage for homes where certain breeds of dogs live. If you do find an insurer that will cover your home when you have one of these breeds, you will likely pay a higher premium.
So what can you do to make sure that you’re getting the best deal on your policy?
Know the Breeds
The most likely breeds of dogs to cause your policy to be denied: Pitbulls, Staffordshire Terriers, German Shepherds, Doberman Pinschers and Rottweilers. If you already have a dog that falls on this list, you need to look at what companies will insure your home anyways. You should also be prepared for higher costs.
If you are considering getting a dog, keep in mind, these breeds will cost you more when it comes to your premiums. If you’re adopting a dog, and unsure of exactly what breed they are, a veterinarian can give you their best estimate. Expect your insurance company to follow the word of your vet.
Know Your Dog’s History
If your dog does bite someone and your insurance company has to pay out, it is likely they may drop your policy altogether. This will make it difficult, and even more costly, for you to find coverage. The best thing you can do is know your dog’s background. If you adopt a dog, try to get as much information about what they experienced previous to your ownership. The sad truth is dogs that have been abused are more likely to bite someone.
For advice on your dogs and insurance call AmeriAgency at 615-209-9362.