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  • HOME
  • DOG BREEDS

    🐕 A - F

    • Australian Shepherd
    • Beagle
    • Boxer
    • Border Collie
    • Cocker Spaniel
    • Corgi
    • Dachshund
    • French Bulldog

    🐩 G - M

    • German Shepherd
    • German Shepherd Wolf
    • Goldendoodle
    • Greyhound
    • Havanese
    • Husky
    • Labradoodle
    • Maltese
    • Mastiff
    • Miniature Husky
    • Miniature Schnauzer
    • Morkie

    🐶 N - Z

    • Pitbull
    • Pomchi
    • Pomeranian
    • Pomsky
    • Poodle
    • Shih Tzu
    • Shorkie
    • Yorkie

    More Articles on Breeds

    Best Dog Food for Rhodesian Ridgebacks DogStruggles

    10 Best Dog Foods for Rhodesian Ridgebacks

    10 January 2022
    11 Smartest Small Dog Breeds Featured Image

    11 Smartest Small Dog Breeds

    10 January 2022

    Stages of Husky Puppy Development

    10 January 2022
    german shepherd belgian malinois featured on dogstruggles

    German Shepherd vs Belgian Malinois – Traits & Comparisons

    10 January 2022
    boxer beagle

    Beagle Boxer Mix – The Complete Boggle Dog Guide!

    10 January 2022
  • DOG FOOD
    • BY BREED
      • For American Bulldogs
      • For Australian Shepherds
      • For Basenjis
      • For Beagles
      • For Blue Heelers
      • For Border Collies
      • For Boxer Puppies
      • For Bull terriers
      • For Cavalier King Charles
      • For Chihuahua Puppies
      • For Cocker Spaniels
      • For Corgi Puppies
      • For Dachshunds
      • For Dalmations
      • For Dobermans
      • For French Bulldog Puppies
      • For German Shepherd Puppies
      • For German Shorthaired Pointers
      • For Golden Retrievers
      • For Great Danes
      • For Greyhounds
      • For Havanese
      • For Hunting Dogs
      • For Jack Russells
      • For Maltipoo
      • For Maltese Puppies
      • For Mastiffs
      • For Miniature Schnauzers
      • For Morkies
      • For Pomeranians  
      • For Poodles
      • For Husky Puppies
      • For Pitbulls
      • For Pugs
      • For Rhodesian Ridgebacks
      • For Rottweilers
      • For Shichons
      • For Saint Bernards
      • For Weimaraners
      • For Yorkies
    • COMPARISON
      • Annamaet
      • Bil-Jac
      • Canine Caviar
      • Evolve
      • Instinct
      • Brands on a Budget
      • Organic Brands
      • Nature’s Logic
      • Nulo
      • Orijen
      • Performatrin Ultra
      • Pro Pac
      • Royal Canin vs Blue Buffalo
      • Sojos
      • Taste of the Wild vs Blue Wilderness
      • Victor
      • Victor Dog Food vs Diamond Naturals
      • Weruva
      • Whole Earth Farm
    • FOR A PURPOSE
      • For Arthritis
      • For Bad Teeth
      • Dehydrated Dog Food
      • High-Calorie
      • High Fiber for Anal Gland Problems
      • Hypoallergenic Foods
      • For IBD 
      • Legume Free
      • Limited Ingredient Foods
      • Low Protein
      • Low Sodium
      • Ollie Dog Food Reviews
      • To Prevent Gas
      • Puppy Milk Replacer
      • For Picky Dogs
      • For Seizures
      • For Sensitive Stomachs
      • For Skin Allergies
      • For Yeast Infections
    • TREATS
      • Dentastix vs Greenies: Which is Better?
      • For Pomeranians
      • For Puppy Training
      • For Yorkies
  • DOG MEDICINE
    • Antihistamines for Allergies
    • Aspirin
    • Benadryl
    • Dewormers
    • DNA Tests
    • Dramamine
    • Ear Cleaners
    • Gabapentin
    • Glucosamine
    • Heartgard
    • Melatonin
    • Nexgard vs Frontline
    • Prednisone
    • Toothpastes
    • Tramadol
    • Trifexis vs Comfortis
    • Xanax
    • Zyrtec
  • DOG SUPPLIES
    • BEDS
      • Bedding for Kennels
      • Bedding for Puppies
      • Chew Proof beds
      • Elevated beds
      • For Australian Shepherds
      • For Beagles
      • For Bernese Mountain Dogs
      • For Border Collies
      • For Boston Terriers
      • For Boxers
      • For Bulldogs
      • For Chihuahuas
      • For Cockapoos
      • For Cocker Spaniels
      • For Corgis
      • For Coton De Tulears
      • For Dachshunds
      • For Dobermans
      • For English Mastiffs
      • For French Bulldogs
      • For German Shepherds
      • For Goldendoodles
      • For Great Danes
      • For Greyhounds
      • For Labradoodles
      • For Mastiffs
      • For Miniature Schnauzers
      • For Pitbulls
      • For Pomeranians
      • For Rhodesian Ridgebacks
      • For Rottweilers
      • For Shih Tzus
      • For Siberian Huskies
      • For Weimaraners
      • For Whippets
      • For Vizslas
      • For Yorkies
      • Heated Beds
      • Luxury Beds
      • Orthopedic Beds
      • Waterproof Beds
    • BRUSHES
      • For Australian Shepherds
      • For Boxer Dogs
      • For Corgis
      • For German Shepherds
      • For Goldendoodles
      • For Golden Retrievers
      • For Havanese
      • For Labradoodles
      • For Maltese
      • For Maltipoos
      • For Poodles
      • For Pitbulls
      • For Pomeranians
      • For Saint Bernards
      • For Shih Tzus
      • For Yorkies
    • COLLARS
      • Bark Collars
      • For Chihuahuas
      • Citronella Bark Collars
      • For Dobermans
      • For German Shepherds
      • Leather Collars
      • Reflective Collars
    • CLIPPERS
      • For Airedale Terriers
      • For Australian Shepherds
      • For Bichon Frise
      • For Border Collies
      • For Coton De Tulears
      • For German Shepherds
      • For Goldendoodles
      • For Havanese
      • For Labradoodles
      • For Lhasa Apso
      • For Maltese
      • For Matted Hair
      • For Miniature Schnauzers
      • For Old English Sheepdogs
      • For Pomeranians
      • For Poodles
      • For Portuguese Water Dogs
      • For Shih Tzus
    • CRATES
      • Crate Covers
      • For Beagles
      • For Border Collies
      • For Boston Terriers
      • For Boxers
      • For Cavalier King Charles Spaniels
      • For Chihuahuas
      • For Dachshunds
      • For Dobermans
      • For English Bulldogs
      • For Goldendoodles
      • For Golden Retrievers
      • For Great Danes
      • For Greyhounds
      • For Huskies
      • For Labradoodles
      • For Mastiffs
      • For Miniature Schnauzers
      • For Pitbulls
      • For Pomeranians
      • Revol Crate
      • For Rottweilers
      • For Separation Anxiety
      • For Shih Tzus
      • For Weimaraners
      • Crate Water Bottle
      • Wooden Dog Crates
      • For Yorkies
    • HARNESSES
      • For American Bulldogs
      • For Beagles
      • For Boxers
      • For Bulldogs
      • For Chihuahuas
      • For Dachshunds
      • For French Bulldogs
      • Freedom No Pull
      • For German Shepherds
      • For Golden Retrievers
      • K9 Harness
      • For Pugs
      • For Rottweilers
      • For Shih Tzu
      • For Siberian Husky
      • For Yorkies
    • LEASHES
      • For Pitbulls
      • For Running
      • Retractable
    • MUZZLES
      • Basket Muzzles
      • For Chihuahuas
      • For Pitbulls
    • NAIL CLIPPERS
      • For Cockapoos
      • For Golden Retrievers
    • TOYS
      • Balls
      • Chew Toys for Pit Bulls
      • For Border Collies
      • For Corgis
      • For Dalmations
      • Frisbees
      • Interactive Toys
      • Playpens
      • For Pomeranians
      • Pools
      • Puppy Chew Toys
      • For Shih Tzus
      • Squeaky Toys
      • Tug Toys
    • SHAMPOO
      • For Bulldogs
      • Flea Shampoos
      • For French Bulldogs
      • For Goldendoodles
      • For Golden Retrievers
      • For Huskies
      • Hypoallergenic Shampoos
      • For Maltese
      • Natural Shampoos for Sensitive Skin
      • Oatmeal Shampoos
      • For Pitbulls
      • For Pomeranians
      • For Poodles
      • For Puppies
      • For Shih Tzu
      • For Yorkies
    • Boston Terrier Sweater
    • Dog Camping Tents
    • Hunting Vests
    • Flea Carpet Powder
    • Strollers
    • Training Books
    • Pet Hair Vacuums
  • BLOG
    • Can My Dog Eat That?
      • Biscuits
      • Cheerios
      • Chia Seeds
      • Cinnamon
      • Crackers
      • Dairy
        • Cheese
        • Vanilla Ice Cream
      • Eggs
      • Falafel
      • Fruit
        • Apples
        • Avocado
        • Bananas
        • Blackberries
        • Coconut
        • Mangoes
        • Strawberries
        • Tomatoes
        • Zucchini
      • Honey
      • Hot Sauce
      • Instant Noodles
      • Meat
        • Chicken Bones
        • Chicken Skin
        • Ham Bones
        • Salami
        • Sausage
        • Steak
        • Trout
        • Tuna
        • Turkey
      • Oatmeal
      • Peanut Butter
      • Pink Salt
      • Pita Bread
      • Pizza Crust
      • Popcorn
      • Potato
      • Sunflower Seeds
      • Vegetables
        • Beans
        • Brussel Sprouts
        • Carrots
        • Green Peppers
        • Lettuce
        • Onions
        • Truffles
        • Yellow Squash
    • Cats vs. Dogs
    • Exotic Dog Breeds
      • African
      • Chinese
      • Cleanest
      • Curly Haired
      • English
      • Fastest
      • Long-Legged
      • Small White
      • Smartest Small Breeds
    • Guides
      • Benefits and Risks of a Raw Diet
      • Can I Give My Dog Aspirin?
      • Does CBD Work for Dogs? 
      • Dogs Insurance Will Not Cover
      • Fixing Your Dogs Fear of Bathing
      • Guide to Crate Training a Puppy
      • Guide To Dog Digestion
      • How Long Does It Take To Groom a Dog?
      • How Often Can I Bathe My Dog With Flea Shampoo
      • How Often Should You Wash Your Dog?
      • Why Do Dogs Eat Cat Poop?
      • Why Does My Dog Pee On My Bed?
    • GPS Chips
    • How To Guides
      • Keep Dog Off Bed
      • Leash Train a Dog That Won’t Walk
      • Make a Leash Out of Paracord
      • Make a Leather Collar
      • Measure a Dog For a Muzzle
      • Put a Dog Tag on a Collar
      • Sedate a Dog for Grooming
      • Sharpen Nail Clippers
      • Stop Dog from Digging
      • Store Dry Dog Food Long Term
      • Train Dog for Protection
      • Train Dog to Sit Down
      • Wash a Dog Bed With Stuffing
    • Superpowers Dogs Have
    • Why Do Dogs
      • Cough
      • Eat Grass
      • Eat Socks
      • Hump The Air
      • Keep Licking Their Paws
      • Look Sad
      • Penises Stay Out
      • Put Their Ears Back
      • Sleep So Much
      • Wag their Tail
      • Watch TV
    • Why Walking Your Dog is Good for You
  • ABOUT US
  • HOME
  • DOG BREEDS

    🐕 A - F

    • Australian Shepherd
    • Beagle
    • Boxer
    • Border Collie
    • Cocker Spaniel
    • Corgi
    • Dachshund
    • French Bulldog

    🐩 G - M

    • German Shepherd
    • German Shepherd Wolf
    • Goldendoodle
    • Greyhound
    • Havanese
    • Husky
    • Labradoodle
    • Maltese
    • Mastiff
    • Miniature Husky
    • Miniature Schnauzer
    • Morkie

    🐶 N - Z

    • Pitbull
    • Pomchi
    • Pomeranian
    • Pomsky
    • Poodle
    • Shih Tzu
    • Shorkie
    • Yorkie

    More Articles on Breeds

    Best Dog Food for Rhodesian Ridgebacks DogStruggles

    10 Best Dog Foods for Rhodesian Ridgebacks

    10 January 2022
    11 Smartest Small Dog Breeds Featured Image

    11 Smartest Small Dog Breeds

    10 January 2022

    Stages of Husky Puppy Development

    10 January 2022
    german shepherd belgian malinois featured on dogstruggles

    German Shepherd vs Belgian Malinois – Traits & Comparisons

    10 January 2022
    boxer beagle

    Beagle Boxer Mix – The Complete Boggle Dog Guide!

    10 January 2022
  • DOG FOOD
    • BY BREED
      • For American Bulldogs
      • For Australian Shepherds
      • For Basenjis
      • For Beagles
      • For Blue Heelers
      • For Border Collies
      • For Boxer Puppies
      • For Bull terriers
      • For Cavalier King Charles
      • For Chihuahua Puppies
      • For Cocker Spaniels
      • For Corgi Puppies
      • For Dachshunds
      • For Dalmations
      • For Dobermans
      • For French Bulldog Puppies
      • For German Shepherd Puppies
      • For German Shorthaired Pointers
      • For Golden Retrievers
      • For Great Danes
      • For Greyhounds
      • For Havanese
      • For Hunting Dogs
      • For Jack Russells
      • For Maltipoo
      • For Maltese Puppies
      • For Mastiffs
      • For Miniature Schnauzers
      • For Morkies
      • For Pomeranians  
      • For Poodles
      • For Husky Puppies
      • For Pitbulls
      • For Pugs
      • For Rhodesian Ridgebacks
      • For Rottweilers
      • For Shichons
      • For Saint Bernards
      • For Weimaraners
      • For Yorkies
    • COMPARISON
      • Annamaet
      • Bil-Jac
      • Canine Caviar
      • Evolve
      • Instinct
      • Brands on a Budget
      • Organic Brands
      • Nature’s Logic
      • Nulo
      • Orijen
      • Performatrin Ultra
      • Pro Pac
      • Royal Canin vs Blue Buffalo
      • Sojos
      • Taste of the Wild vs Blue Wilderness
      • Victor
      • Victor Dog Food vs Diamond Naturals
      • Weruva
      • Whole Earth Farm
    • FOR A PURPOSE
      • For Arthritis
      • For Bad Teeth
      • Dehydrated Dog Food
      • High-Calorie
      • High Fiber for Anal Gland Problems
      • Hypoallergenic Foods
      • For IBD 
      • Legume Free
      • Limited Ingredient Foods
      • Low Protein
      • Low Sodium
      • Ollie Dog Food Reviews
      • To Prevent Gas
      • Puppy Milk Replacer
      • For Picky Dogs
      • For Seizures
      • For Sensitive Stomachs
      • For Skin Allergies
      • For Yeast Infections
    • TREATS
      • Dentastix vs Greenies: Which is Better?
      • For Pomeranians
      • For Puppy Training
      • For Yorkies
  • DOG MEDICINE
    • Antihistamines for Allergies
    • Aspirin
    • Benadryl
    • Dewormers
    • DNA Tests
    • Dramamine
    • Ear Cleaners
    • Gabapentin
    • Glucosamine
    • Heartgard
    • Melatonin
    • Nexgard vs Frontline
    • Prednisone
    • Toothpastes
    • Tramadol
    • Trifexis vs Comfortis
    • Xanax
    • Zyrtec
  • DOG SUPPLIES
    • BEDS
      • Bedding for Kennels
      • Bedding for Puppies
      • Chew Proof beds
      • Elevated beds
      • For Australian Shepherds
      • For Beagles
      • For Bernese Mountain Dogs
      • For Border Collies
      • For Boston Terriers
      • For Boxers
      • For Bulldogs
      • For Chihuahuas
      • For Cockapoos
      • For Cocker Spaniels
      • For Corgis
      • For Coton De Tulears
      • For Dachshunds
      • For Dobermans
      • For English Mastiffs
      • For French Bulldogs
      • For German Shepherds
      • For Goldendoodles
      • For Great Danes
      • For Greyhounds
      • For Labradoodles
      • For Mastiffs
      • For Miniature Schnauzers
      • For Pitbulls
      • For Pomeranians
      • For Rhodesian Ridgebacks
      • For Rottweilers
      • For Shih Tzus
      • For Siberian Huskies
      • For Weimaraners
      • For Whippets
      • For Vizslas
      • For Yorkies
      • Heated Beds
      • Luxury Beds
      • Orthopedic Beds
      • Waterproof Beds
    • BRUSHES
      • For Australian Shepherds
      • For Boxer Dogs
      • For Corgis
      • For German Shepherds
      • For Goldendoodles
      • For Golden Retrievers
      • For Havanese
      • For Labradoodles
      • For Maltese
      • For Maltipoos
      • For Poodles
      • For Pitbulls
      • For Pomeranians
      • For Saint Bernards
      • For Shih Tzus
      • For Yorkies
    • COLLARS
      • Bark Collars
      • For Chihuahuas
      • Citronella Bark Collars
      • For Dobermans
      • For German Shepherds
      • Leather Collars
      • Reflective Collars
    • CLIPPERS
      • For Airedale Terriers
      • For Australian Shepherds
      • For Bichon Frise
      • For Border Collies
      • For Coton De Tulears
      • For German Shepherds
      • For Goldendoodles
      • For Havanese
      • For Labradoodles
      • For Lhasa Apso
      • For Maltese
      • For Matted Hair
      • For Miniature Schnauzers
      • For Old English Sheepdogs
      • For Pomeranians
      • For Poodles
      • For Portuguese Water Dogs
      • For Shih Tzus
    • CRATES
      • Crate Covers
      • For Beagles
      • For Border Collies
      • For Boston Terriers
      • For Boxers
      • For Cavalier King Charles Spaniels
      • For Chihuahuas
      • For Dachshunds
      • For Dobermans
      • For English Bulldogs
      • For Goldendoodles
      • For Golden Retrievers
      • For Great Danes
      • For Greyhounds
      • For Huskies
      • For Labradoodles
      • For Mastiffs
      • For Miniature Schnauzers
      • For Pitbulls
      • For Pomeranians
      • Revol Crate
      • For Rottweilers
      • For Separation Anxiety
      • For Shih Tzus
      • For Weimaraners
      • Crate Water Bottle
      • Wooden Dog Crates
      • For Yorkies
    • HARNESSES
      • For American Bulldogs
      • For Beagles
      • For Boxers
      • For Bulldogs
      • For Chihuahuas
      • For Dachshunds
      • For French Bulldogs
      • Freedom No Pull
      • For German Shepherds
      • For Golden Retrievers
      • K9 Harness
      • For Pugs
      • For Rottweilers
      • For Shih Tzu
      • For Siberian Husky
      • For Yorkies
    • LEASHES
      • For Pitbulls
      • For Running
      • Retractable
    • MUZZLES
      • Basket Muzzles
      • For Chihuahuas
      • For Pitbulls
    • NAIL CLIPPERS
      • For Cockapoos
      • For Golden Retrievers
    • TOYS
      • Balls
      • Chew Toys for Pit Bulls
      • For Border Collies
      • For Corgis
      • For Dalmations
      • Frisbees
      • Interactive Toys
      • Playpens
      • For Pomeranians
      • Pools
      • Puppy Chew Toys
      • For Shih Tzus
      • Squeaky Toys
      • Tug Toys
    • SHAMPOO
      • For Bulldogs
      • Flea Shampoos
      • For French Bulldogs
      • For Goldendoodles
      • For Golden Retrievers
      • For Huskies
      • Hypoallergenic Shampoos
      • For Maltese
      • Natural Shampoos for Sensitive Skin
      • Oatmeal Shampoos
      • For Pitbulls
      • For Pomeranians
      • For Poodles
      • For Puppies
      • For Shih Tzu
      • For Yorkies
    • Boston Terrier Sweater
    • Dog Camping Tents
    • Hunting Vests
    • Flea Carpet Powder
    • Strollers
    • Training Books
    • Pet Hair Vacuums
  • BLOG
    • Can My Dog Eat That?
      • Biscuits
      • Cheerios
      • Chia Seeds
      • Cinnamon
      • Crackers
      • Dairy
        • Cheese
        • Vanilla Ice Cream
      • Eggs
      • Falafel
      • Fruit
        • Apples
        • Avocado
        • Bananas
        • Blackberries
        • Coconut
        • Mangoes
        • Strawberries
        • Tomatoes
        • Zucchini
      • Honey
      • Hot Sauce
      • Instant Noodles
      • Meat
        • Chicken Bones
        • Chicken Skin
        • Ham Bones
        • Salami
        • Sausage
        • Steak
        • Trout
        • Tuna
        • Turkey
      • Oatmeal
      • Peanut Butter
      • Pink Salt
      • Pita Bread
      • Pizza Crust
      • Popcorn
      • Potato
      • Sunflower Seeds
      • Vegetables
        • Beans
        • Brussel Sprouts
        • Carrots
        • Green Peppers
        • Lettuce
        • Onions
        • Truffles
        • Yellow Squash
    • Cats vs. Dogs
    • Exotic Dog Breeds
      • African
      • Chinese
      • Cleanest
      • Curly Haired
      • English
      • Fastest
      • Long-Legged
      • Small White
      • Smartest Small Breeds
    • Guides
      • Benefits and Risks of a Raw Diet
      • Can I Give My Dog Aspirin?
      • Does CBD Work for Dogs? 
      • Dogs Insurance Will Not Cover
      • Fixing Your Dogs Fear of Bathing
      • Guide to Crate Training a Puppy
      • Guide To Dog Digestion
      • How Long Does It Take To Groom a Dog?
      • How Often Can I Bathe My Dog With Flea Shampoo
      • How Often Should You Wash Your Dog?
      • Why Do Dogs Eat Cat Poop?
      • Why Does My Dog Pee On My Bed?
    • GPS Chips
    • How To Guides
      • Keep Dog Off Bed
      • Leash Train a Dog That Won’t Walk
      • Make a Leash Out of Paracord
      • Make a Leather Collar
      • Measure a Dog For a Muzzle
      • Put a Dog Tag on a Collar
      • Sedate a Dog for Grooming
      • Sharpen Nail Clippers
      • Stop Dog from Digging
      • Store Dry Dog Food Long Term
      • Train Dog for Protection
      • Train Dog to Sit Down
      • Wash a Dog Bed With Stuffing
    • Superpowers Dogs Have
    • Why Do Dogs
      • Cough
      • Eat Grass
      • Eat Socks
      • Hump The Air
      • Keep Licking Their Paws
      • Look Sad
      • Penises Stay Out
      • Put Their Ears Back
      • Sleep So Much
      • Wag their Tail
      • Watch TV
    • Why Walking Your Dog is Good for You
  • ABOUT US
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View All Result
Dog struggles
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Home Blog

What Dogs Will Insurance Not Cover?

Shellie by Shellie
10 January 2022
in Blog
Pet Insurance
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Are you a dog owner who owns a home? If so, there’s a chance your homeowner’s insurance offers coverage regarding your pet. However, there are plenty of rules and regulations that apply to the insurance policy and your pet.

It’s wise to review your current homeowner’s insurance policy and read the fine print to discover what dogs will insurance not cover. Some insurance companies don’t cover certain dog breeds or property damage caused by dogs but will cover bites.

What Dogs Will Insurance Not Cover?

Continue reading to find out if insurance companies cover your dog’s breed and exactly where you stand when it comes to homeowners insurance and your pet.

What dogs will homeowners insurance not cover?

In certain areas of the country, there is a wide range of dog breeds that are responsible for biting claims. Since insurance companies receive repetitive claims for the following dog breeds, they have labeled them as high-risk and refuse to offer coverage where they are concerned.

  • Chow Chow
  • Akita
  • Doberman Pinscher
  • Staffordshire Terrier
  • Pit Bull Terrier
  • Siberian Husky
  • Rottweiler
  • Great Dane
  • German Shepherd
  • Wolf breeds

What Dog Breeds are Considered Dangerous by Insurance?

Dogs that bite and chase neighbors are often labeled as dangerous by insurance companies. Chances are if your dog has already bitten someone and you filed a claim with your insurance company, they will find the second or any attempt of biting as a red flag and label your dog as high-risk.

Understanding Dog Liability Laws

There are three liability laws that most states implement for dogs:

  1. One-Bite Rule

A homeowner is held responsible if they are aware of their dog’s aggressive nature and behavior. In thisLarador biting hand scenario, the owner is legally responsible for the injury caused.

  1. Dog-Bite Statute

Dog inflicted injuries such as biting or property damage caused by dogs is the responsibility of the dog owner. In this scenario, the owner is legally liable for any property damage or injuries caused by their dog.

  1. Negligence Laws

Dog owners who can’t control their dog’s aggressive behavior fall under the negligence law. In this scenario, the owner is liable because they failed to control their dog properly.

Homeowner’s insurance companies consider these general liability laws when establishing an insurance policy involving a dog living in the household.

Can Insurance Companies Discriminate Against Dog Breeds?

Insurance companies often label specific dog breeds as high risk which could be seen as discrimination. However, some insurance companies don’t discriminate based on your dog’s breed. Popular dog-friendly insurance companies in the United States include American Family, AIG, Nationwide, and USAA.

Is My Dog Covered on House Insurance?

Contact your homeowner’s insurance company that holds your policy to find out if your dog is covered. When speaking to a licensed insurance agent, be prepared to answer questions regarding your dog such as the ones listed below.

  • What breed is your dog?
  • Has your dog bit anyone in the past?
  • Does your dog have aggressive behavior?
  • Does your dog remain indoors or outdoors?
  • Have you provided proper training for your dog?
  • Has your dog damaged or destroyed any property?

Can Homeowners Insurance Drop you Because of a Dog?

Dog-related claims that involve biting run around $17,000. If your dog is a repetitive biter and racks of personal liability claims, the insurance agency can refuse to cover your dog in the future. Most companies won’t drop your entire policy but they will drop your dog from the coverage if needed.

However, beware of the fine print in your policy that could give the insurance company legal rights to dropping your entire policy if they feel the need.

Remember, if your dog is continuously the cause of personal liability claims and large medical payments are being paid out to victims on a regular basis, your insurance company can choose to cancel your policy effective immediately.

What To Do If Your Dog Isn’t Covered On Your Homeowners Insurance Policy

Look for insurance companies that are pet-friendly and offer a separate option for pet liability insurance.Agressive dog showing teeth This type of policy is designed to cover liability for your dog and it usually covers all dog breeds.

Take Preventative Measures

While having your dog covered under your homeowner’s insurance policy is beneficial, it’s up to you as a responsible pet parent to take preventative measures. This means properly training your dog to be obedient or hiring a professional trainer to ensure your dog is well behaved.

Also, you can alert those who enter your property of a dangerous dog by placing a “beware of dog” sign in a place where it can be seen easily. Hanging it on a fence is recommended. You can even take it a step further and place a “no trespassing” sign.

This will alert anyone who is deciding to enter your property of a dangerous animal that has the potential to cause harm to them as well as breaking the no trespassing rule which will create a better case for you if your dog happens to bite someone.

Another measure you can take is to place your dog in a crate when you are expecting a visitor or service such as a plumber to arrive at your home. Make sure the door on the crate has a strong latch to lower the risk of your dog escaping. Place the crate in a room where your visitors won’t go and shut the door as an added level of security.

Bottom Line

Overall, homeowners insurance is helpful when it’s regarding your dog biting someone who is on your property. Since some breeds are more prone to biting humans than others, most insurance companies don’t cover the breeds listed earlier.

Homeowner’s insurance policies are specific to each property, so make sure you review yours carefully. Speaking to an insurance agent regarding your dog’s breed is recommended to confirm coverage or not. Every state has different requirements and has banned different dog breeds. Check with your local insurance company for further details about homeowner’s coverage and your pets today!

Shellie

Shellie

A pet parent herself, Shellie knows the ins and outs of caring for a furry bundle of joy. She has been researching, reviewing and sharing her findings for the best dog products available for a number of years. A valued team member, Shellie's first-hand experience is invaluable.

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