Homeowners insurance gives you protection against various events that can cause damage to your property and injury to you, the homeowner, and your family members. And, your dog also can become the cause of the damage. Unfortunately, you also have to deal with homeowners insurance dogs not allowed. It means even if your dog causes the damage, the insurance won’t cover it. Here, you will learn more about that.
The Restricted Dog Breed for Homeowners Insurance
There is some dog breed that the homeowner insurance won’t put in its
coverage policy. Mostly, it is because these dog breeds are considered
aggressive dog breeds. They tend to cause damage, which makes the company pay
more than it should be. Here are some breeds that most homeowners
insurance policy don't cover.
- Rottweiler
- Pit Bull
- Staffordshire Terrier
- Doberman Pinscher
- Akita
- Alaskan Malamute
- Siberian Husky
- Wolf breeds
- Chow Chow
- Great Dane
- Presa Canarios
- Mastiff
We believe, if you are a dog lover or have a dog as a pet for a long time,
you must understand and agree with that list. Most of the dog breeds in that
list are well-known for causing many accidents in the past. Therefore, the
insurance companies won’t put them in their insurance policy.
Why Are Those Dog Breeds Not Included?
As we mentioned about homeowners
insurance dogs not allowed reason
above, those dog breeds tend to be aggressive and cause damage. Therefore, the
insurance companies consider them as the risk factor in their insurance
service. The aggressive dog breed is considered to be high risk, which will be
rejected in the insurance policy.
Moreover, other factors make your dog breed and even your dog is excluded
from the policy. For example, if your dog has a history of biting or damaging
the property where it lived before, they will most likely reject that dog
breed.
What Can You Do with Your Restricted Dog Breed?
Even though your beloved dog is one of the dogs bred by homeowners
insurance restricted, you can still use these
methods to solve this problem.
- Find the homeowners insurance
that accepts your dog breed.
- Ask for an umbrella liability
policy. This policy can include your dog in the fixed amount of coverage.
- Try to get the canine liability
policy. Some companies have it, so you may have to ask and research more to
find it.
- You also can ask for an
exception to include your dog in the policy. To get a better chance for an
exception, your dog must pass the test and get the Canine Good Citizen Award
(CGC).
Conclusion
Finding out that your dog is in the homeowners
insurance dogs not allowed category
could be very painful. However, you can use the solutions we mentioned to get
you through this situation. Or, you can also exclude your dog entirely from the
insurance policy for the last resort. So, try it now and get the best
protection from your homeowner's insurance.
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