Dog-Friendly Homeowners Insurance Companies (2024)

FAQs

Does having a dog reduce home insurance? ›

Dogs are the worst offenders, but they're not the only pet that can raise your insurance rates. If your pet causes property damage or bodily harm, you could face a personal injury lawsuit. That's the liability risk your insurance company takes on when they include your pet on your homeowner's policy.

Home insurance rates only go up by 1% for having a restricted dog breed, on average. If your dog is on the restricted breed list, it's most likely your insurance company will increase your rates slightly, or they could exclude liability coverage for any damage your dog causes.

If the insurance company you're using has restrictions based on breed, you will need to disclose your dog's breed. Failing to do so could cause any claims you make to be denied. Some insurance companies, like State Farm, don't have any exclusions based on breed.

Dog breeds banned by home insurance companies often include Doberman Pinschers, pit bulls and Rottweilers.

Homeowners insurance generally only covers wildlife damage caused by animals like deer or bears. Damage from smaller pests like squirrels and other rodents generally isn't covered by your home insurance policy because the infestations are considered preventable.

Most insurance companies won't deny you a home or renters policy if you have a pit bull, but they won't cover any damage your pit bull causes. For the most part, home and renters insurance companies include an exclusion for claims that involve so-called restricted dog breeds, including pit bull breeds.

Does Allstate homeowners insurance have dog breed restrictions? Allstate writes policies based on a specific dog's demeanor and bite history rather than refusing coverage for homeowners who have certain high-risk dog breeds. There are a lot of factors to weigh when thinking of adding a dog to your family.

Pets can damage not only your home and property but property belonging to other people that visit or live near you. More significantly, dogs can bite people, leaving you and your insurance company liable for their injuries. So overall, pets are seen as a liability by many insurance companies.

Yes, Geico may have breed restrictions. Always check your policy or consult your insurance agent for specifics. How does Geico evaluate the worth of a dog bite claim? Geico considers various factors, including the severity of the injuries and the circ*mstances of the bite, when evaluating a claim.

Avoid admitting fault or underestimating damages as this might lead to lower compensation or even denial of your claim. Honesty is crucial when dealing with an insurance adjuster, so avoid providing false information which can lead to serious consequences like claim denial or legal repercussions.

What voids pet insurance? ›

Some of the most common things pet insurance does not cover are: Pre-existing illness or injury - In general, insurers will not cover illness or injury that your pet had or showed signs of having before the policy started.

Some insurers will cover pet damage – but others won't, and home insurance that does include pet damage only includes certain kinds of damage, or even certain animals. However, it's still possible to find some insurers that will offer pet damage cover.

According to Svartberg's data (PDF), a pinscher, a Bernese mountain dog, or an English springer spaniel might be the most disloyal since each ranks very low on playfulness, with moderate sociability.

Pet ownership is one element that insurers use to determine risk. The exact cost of adding a dog to your homeowners insurance will depend on the breed and where you live, among other factors.

One of the top police and military choices in the United States, the German Shepherd is also a brave guardian for the family. They also bond well with other family members, even cats, and will protect them too. With intelligence and loyalty to boot, these are perfect dogs for any family.

The same agent noted that even the smallest sign of owning a pet can deter a buyer from considering your home. And the fewer interested buyers you have, the lower your final sale price will be. Fortunately, there are things you can do to address these pet problems.

"Some breeds and sizes of dogs are better able to provide security than others," said Julie Burgess, a certified dog trainer (CPDT-KA). "For instance, smaller breeds like Chihuahuas, miniature pinschers and miniature schnauzers will be most likely unable to provide serious protection."

As you can see, cats are typically less expensive to insure than dogs, and pet insurance rates for accident-only plans (which cover things like broken bones or poisoning) can be significantly lower than rates for comprehensive accident and illness plans (which cover treatment for both accidental injuries and illnesses) ...

Some insurers will cover pet damage – but others won't, and home insurance that does include pet damage only includes certain kinds of damage, or even certain animals. However, it's still possible to find some insurers that will offer pet damage cover.