1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    The issue isn’t price it is availability of coverage. Many insurance companies refuse to cover personal injury or other losses resulting from the ownership of a pit bull, Doberman pinscher, or Rottweiler. A dog with a history of biting is likewise excluded and coverage for other breeds may be limited well below the general limit of the policy.
    Answered on February 17, 2015
  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    This is really best discussed with your Insurance Professional. In most cases, a particular breed of dog doesn't necessarily affect the premium you pay, but may instead affect the availability of coverage under your policy. Some companies do not offer any coverage if you happen to have a dog with a bite history, others list specific breeds that, if owned, may make you inelligible for coverage. Other companies make exceptions to certain breeds so long as the dog has undergone specific training for good behavior.
    Answered on February 17, 2015
  3. 0 POINTS
    MP FL
    it all depend on the insurance company. my personal homeowner company includes certain breeds and cross breeds, whilst the other company i had excludes those breeds and includes different breed. your bet best is to ask your agent to what type is included or excluded. the major breed for exclusion would pit bull, rottweiler, wolf, rott and pit mix.
    Answered on February 22, 2015
  4. 552 POINTS
    Ruth Ladas
    CEO, RLI - Ruth Ladas Insurance, LLC, Fort Myers, Florida
    Many insurance carriers in my state, Florida, exclude all animal liability and if you own certain breeds they will decline to insure you at all...even with the exclusion. Dogs that you would expect to be problematic breeds are pit bulls, rototillers, dobermans but you would be surprised to know how frequently it is little dogs that are the cause of dog-bite claims.
    Answered on May 7, 2015
  5. 109 POINTS
    Kristen Ducharme
    CIC, Brooks Robb & Callahan,
    It depends on the company but, common dogs that are on unacceptable dog lists are, any form of Pit Bull, Doberman, Husky, German Sheppard, American Bull Dog, Chow, Mastiff and any mix of these breeds. Some companies will write a dog liability policy for you which can range in price, in order that they will still insure your home even with one of these unacceptable dogs.
    Answered on August 5, 2016
  6. Did you find these answers helpful?

Add Your Answer To This Question

You must be logged in to add your answer.

<< Previous Question
Questions Home
Next Question >>