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DOG BREEDS THAT MAY BE RESTRICTED BY YOUR HOMEOWNERS INSURANCE COMPANY

Bruce D. Brown • Aug 18, 2021

Dog Breeds vs Homeowners Insurance

One of the most common home insurance liability claims comes from dog bites and other pet-related injuries. In 2020, insurance companies paid $854 million for nearly 17,000 dog bite and injury claims, according to the Insurance Information Institute (III).

Depending on the type of dog you have, you may have a harder time finding homeowners insurance that covers you in the event of a dog bite, according to III spokesperson Janet Ruiz.

Common homeowners insurance dog breed restrictions include:
  • Pit bulls
  • Rottweilers
  • German shepherds
  • Doberman pinschers
  • Alaskan malamutes
  • Siberian huskies
  • Chow chows
  • Akitas
  • Great Danes
  • Wolf hybrids
"It's important to keep in mind that each case is examined on its own unique merit, and some factors may make it more difficult to obtain insurance or file a claim successfully," Ruiz said. "For example, it may be a challenge to find home insurance liability coverage if your dog has a history of aggressive behavior or you've filed a claim for a dog-related injury in the past."
Bruce Brown
THIS BLOG DOES NOT CONSTITUTE LEGAL ADVICE NOR DOES IT CREATE AN ATTORNEY/CLIENT RELATIONSHIP WITH ANY READER. THIS BLOG SHOULD BE USED FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS LEGAL ADVICE. IF YOU NEED LEGAL ADVICE, PLEASE CONTACT AN ATTORNEY IN YOU COMMUNITY WHO CAN ACCESS THE SPECIFICS IN YOUR SITUATION. 
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