![]() ![]() Some companies have gone on record saying that they do consider a dog's breed when deciding whether to insure it. Home insurance companies that discriminate by dog breed For example, Farmers typically only restricts coverage for pit bull breeds, rottweilers and wolf hybrids. However, these companies may charge you more for having a restricted breed of dog, so it's still worth shopping around to get the best deal.Ī few companies have a much shorter list of restricted dog breeds than others. In addition to State Farm, other insurance companies that provide insurance to dog owners regardless of breed include USAA and Chubb. You'll only need to answer questions about your dog's bite history. State Farm does not consider dog breed at all when you get a quote for home insurance. What should I do if my home insurance won't cover my dog? And renters who have dogs with any bite history, regardless of breed, will have trouble getting renters coverage. If your dog is on the restricted dog breed list for your renters insurance, you could expect a slightly more expensive insurance rate, or your insurance company might exclude any liability damage your dog causes. And renters insurance companies can also choose to charge extra or exclude renters coverage based on your dog's breed or bite history. ![]() Just like homeowners insurance, renters insurance typically includes liability protection if your dog causes injury or property damage. ![]() Does renters insurance cover restricted dog breeds? So even if your dog is covered by your home insurance, it might not be worth making a claim unless the cost is outrageous. However, making liability claims can result in more expensive home insurance rates in the future. If your dog bites a stranger or guest and you're sued to pay for their medical bills, your policy's liability coverage would pay for those expenses. Typically your homeowners insurance does cover dog bites unless you have a restricted breed or your dog has a bite history. Does homeowners insurance cover restricted dog breeds? ![]()
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