Pet insurance varies from agency to agency

The fury creatures that we love and cherish mean the world to us. However, they often can affect coverage on home owner’s policies. In fact, according to the Insurance Information Institute, approximately one-third of all homeowner’s liability claims result from dog bites.

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Most companies, though not all, use a dog’s breed to wage coverage. Some companies can even reject coverage because of certain dog breeds that have a reputation for being dangerous. According to, common dog breeds that run into issues with insurance agencies include:

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

It is important to note that other dog breeds can run into problems. Likewise, just because a dog breed is listed above does not mean you will be rejected coverage.

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Breed discrimination on homeowners insurance “is outlawed in some states, most notably Michigan and Pennsylvania,” according to Companies typically profile the dogs based on their breed. During this profiling, the average number of bites by a certain breed that have been reported are accounted for.

There are multiple steps that can be taken to help prevent dog misbehavior. These can include “obedience training, dog socialization classes, fences, kennels, and so on,” said Spaying/neutering is also supposed to help with lowering aggression.

The best way to approach the pet-insurance relationship is first to take the appropriate cautions, such as providing training to your dog. Second, ask your agent to look at the different companies they represent to see if there is one with more lenient restrictions. Finally, if it comes down to it, you might be able to take out a separate policy on your dog. This will still help protect you from liability.