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Which dog breeds does insurance not cover?

The most commonly excluded dog breeds are Rottweiler, Pitbull, German Shepherds, Chow Chow and many wolf breeds.

 

The personal liability section of the landlord’s insurance policy covers legal and medical expenses if your dog bites a guest or damages his or her belongings in your home. However, some insurance companies do not cover larger breeds or those that have a reputation for being dangerous because the risk of injury is higher.

If your insurance company doesn’t cover your dog, look around and compare coverage with multiple companies. Several insurers offered by Policygenius – including AIG, Chubb, Hippo, and Encompass – accept even the most dangerous dog breeds. You also have the option of a civil liability insurance for pets, a special policy that covers injuries or damage caused by any type of dog.

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What breeds of dogs are not covered by the owner’s insurance?

Some breeds of dogs are classified as “dangerous” because they are responsible for a large number of accusations of dog bites. To minimize the likelihood of having to pay expensive liability claims, some insurance companies exclude certain breeds from coverage. Your insurer can also increase your premium if you own a certain breed or refuse to fully cover your home.

12 dog breeds excluded from contents insurance:

These are the most commonly excluded dog breeds, according to Policygenius insurance experts:
Some breeds of dogs are classified as “dangerous” because they are responsible for a large number of accusations of dog bites. To minimize the likelihood of having to pay expensive liability claims, some insurance companies exclude certain breeds from coverage. Your insurer can also increase your premium if you own a certain breed or refuse to fully cover your home.

12 dog breeds excluded from contents insurance:

These are the most commonly excluded dog breeds, according to Policygenius insurance experts:

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Akitas

Alaska Malamute

All breeds of wolves

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Chow Chows

Doberman-Pinscher

German Shepherds

Alans

Bulls
Canarios socket

Rottweiler

Siberian Husky

Staffordshire Terrier

In general, muscular dogs with thick breasts are often excluded from the ceiling, as well as breeds of wolves. If your dog is excluded from coverage, look for dog-friendly home insurance: Some insurers cover dogs of any breed as long as they don’t have a history of biting. You may also want to consider additional liability protection.

When dogs are never covered by home insurance?

In addition to breed restrictions, some insurers do not cover dogs with a history of bites or property damage.

History of the bite
If your puppy has bitten in the past, they may be excluded from your policy or you may need to sign a dog bite disclaimer. This means that your insurer will not cover the medical or legal expenses that result from your dog biting someone on your property. In some cases, you may be denied home insurance all together

Damage to your home, other structures or personal belongings
If your dog is causing damage to your home or belongings, the loss may not be covered by your home insurance. This means that if your dog chews on your drywall or furniture, you may not be compensated for the damage.

If your dog bites or hurts you
Personal liability insurance only covers injuries that someone else suffers, not you. This means that if your dog bites you and you have to go to the hospital, you will not be able to file a home insurance claim.

8 dog-friendly insurance

While coverage details may vary from state to state, several companies have been known to cover dangerous dog breeds, depending on where you live and your claim history. These include:

AIG (AIG)
Chubb
Understand
Hippopotamus
Safeco GmbH & Co.
Automatic status
State Farm
Plymouth Rocks.

Do I need to take out pet liability insurance?

Pet Liability Insurance is a specialized policy that covers all dog breeds for most types of injury or damage. Pet Liability Insurance also covers your dog’s care, including physical exams and vaccinations. You may be able to add it to your current home insurance as confirmation or purchase it as a separate policy. Pet liability insurance is a good option if you can’t find an insurance company that includes your dog in coverage.

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