How Does Having A Dog Affect Home Insurance?
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaA significant number of claims paid by insurance companies involve dogs. As a result companies normally are quite concerned about particular breeds of dogs and will often deny coverage completely when you have one of these dogs. Many companies will include an endorsement to deny coverage to specific breeds and mixes and will limit the amount of damages that they will pay for any animal bite.Answered on May 5, 2014flag this answer
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482It might, yes. Some companies choose to exclude coverage if you are the owner of a particular breed of dog. These are always specified in the underwriting guidelines that a company files with your state's Insurance Department. Some companies will make exceptions if the dog has successfully completed a certified training program.Answered on May 5, 2014flag this answer
21750 POINTSview profileJim WinklerCEO/Owner, Winkler Financial Group, Houston, TexasThat is a great question! The answer is no, if your dog has been professionally trained, is not a breed known for violence, and you never have a claim filed because of him or her. The answer is yes, if you have a dog that falls underneath your company's specified category for dogs at risk for claims from bites. Or worse, if you file a claim because your dog has bitten someone. It is always a good idea to call your agent before purchasing the dog, and find out if the dog can be covered, and to what extent. I hope that helps. Thanks for asking!Answered on May 7, 2014flag this answer
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