A Special Guide for Dog Owners: Home Insurance

The National Pet Owners Survey of 2019 to 2020 conducted by HomeownersInsuranceCover.Net states that sixty-seven percent of households in the U. S. own a pet, and 63.4 million of them are canines. Disease Control and Prevention Centers state that about 4.7 million Americans are being bitten by dogs annually.

Searching for a home insurance company for a dog is difficult especially when your breed is considered as the dangerous type. This article will provide you valuable information concerning insurance carriers and guide you in acquiring a policy.

Which breeds are considered “dangerous” by some insurance companies?

With the statistics mentioned above, a few insurance companies do limit and decline to provide a policy if a particular breed is owned by the client.

Some companies don’t include some breeds from the policy. Sometimes, their strategy is to lessen the coverage or suggest premium insurance instead which is more costly.

The following dog breeds are what some insurance companies assume as risky:

  • Wolf Hybrid
  • Siberia Husky
  • Rottweiler
  • Pit Bull
  • German Shepherd
  • Doberman Pinscher
  • Chow Chow
  • Alaskan Malamute
  • Akita

There is one company that accommodates all these breeds and provides coverage to homeowners- Liberty Mutual. They accept “Canary dogs” as well. However, a few dog breeds need to undergo review. If these dogs don’t fit in their “acceptability guidelines”, they may not provide the policy.

Which insurance companies don’t choose based on the dog breed?

There are companies that don’t run similar to Liberty Manual, Farmers, or Allstate. The following companies provide insurance to any dog breed that competitors regard as a threat to their profit:

  • USAA
  • State Farm
  • Nationwide
  • Fireman’s
  • Chubb
  • Amica

These home insurance companies do not mainly look at the breed of the dog but rather look at the history of the dog.

Is it right for insurance companies to blacklist particular dog breeds?

The MSPCA-Angell (Massachusetts Society for Prevention of Cruelty to Animals- Angell) is against companies that provide coverage only to particular dog breeds.

According to the director of MSPCA-Angell’s, Kara Holmquist, new researches state that it’s hard to know the breed of the dog based on appearance. In fact, it is hard to know if a dog is a mixed-breed. Therefore, looking only at the breed of the dog is not a practical way to assess the risk of bites from dogs.

Moreover, according to Oakland’s director Donna Reynolds, it is better for insurance carriers to assess the client’s behavior instead of wrongly assuming a dog’s behavior-based on its breed or external appearance.

Reynolds also agrees to the idea that companies should give time to educate people on how to prevent dog bites from happening and teach homeowners of their responsibilities for owning a dog.

As expressed by Dundov: being a responsible pet owner is a strong foundation for preventing dog bites.

A dog is a part of the family and needs to be a part of the life of a family. It may be difficult to fully comprehend how each dog views the world around it, but dogs need supervision and security especially in hard situations.

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