Most people have an idea of the type of dog they want before they get one. However, if you own a home the breed of pet you choose can affect your homeowners insurance. You don't want to lose your home insurance, be sued and incur a liability because of Fido. Are there dog breeds that homeowners insurance won't cover?
Lots of us believe that our sweet lovable pet won't hurt a soul. However, if for some reason it bites someone or has a bite history, regardless of the type of dog you own your insurance won't cover it. Here is a list of dogs that your homeowners insurance won't likely cover.
- Bull Mastiff
- Doberman Pinscher
- German Shepherd
- Great Dane
- Pit Bull Terrier
- Saint Bernard
- Staffordshire Terrier
- Wolf or Dog/Wolf Mix
What Are your Options?
The best thing to do would be to find out ahead of time before you get a dog - unless you can pay for the lawsuit and liability if something would happen at your home.
Also, exotic animals aren't covered either. If you own an alligator, tiger, monkey, lion or Komodo dragon, for instance, it goes without saying that your pet is not included in homeowner’s coverage.
If you currently own one of these breeds of dogs and you're concerned about your choice between the family dog or home insurance check to see if there are insurance options.
What if I'm Renting?
If you are renting and you own or get a dog that's on the restricted breed list you may risk getting evicted. There are pet-friendly apartments that may accept your breed.
Let's face it. We love our pets! They can become like members of the family. However, we want to provide a safe environment for ourselves and neighbors. Find out ahead of time before you fall in love with that cute face. Enjoy your pets!
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I hope that you enjoyed this Dog Breeds Homeowners Insurance Won't Cover post!