Does Owning A Dog Increase Homeowners Insurance?

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   Jack Heller

   Owner, Insurance Browser,

   This really depend on the size, breed , and prior history of the dog biting someone. This has become a huge issue in many states . You may encounter significant difficulty is insuring your home with a standard homeowners policy which includes liability coverage if there is history of biting or the dog is of a bred that has had a greater propensity to have been involved in attacks such as a pit bull. There is enough concern about this primarily because dog bites are often the second most likely cause of loss in many states for an individual carrier. Some carriers limit the liability coverage and some simply charge more if they perceive  a more significant risk of loss. Dog owners should be aware that an absolute liability can exist in some states just by owning the dog.In other words the fact that you own the dog is sufficient to cause of  liability for you and your carrier.

   Answered on December 18, 2013

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