What Dog Breeds Are Excluded On Home Insurance?

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   David G. Pipes, CLU®, RICP®

   Business Development Officer, T.D. McNeil Insurance Services, Fresno, California

   There are three levels to consider. If there is a dog with a history of biting, regardless of breed, that dog is probably excluded from coverage. If there are dogs at the residence that are pit bulls, wolf mixes, Doberman Pinchers, and Chows they are probably excluded. All other dogs have limited coverage. That means that in the case of a dog bite the normal limits of the policy do not apply. Check the back of your homeowner’s policy to see if there is an endorsement about pets or dogs.

   Answered on November 7, 2014

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