Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
Rather than raise rates many companies restrict coverage. For example, the company might completely exclude coverage for personal injury or loss that comes beause you own a pit bull, Doberman, or Rottweiler. If you have an animal that has a history of biting, you will probably find that animal excluded as well. The company may also limit the amount that they will pay for any claim coming from the bite of any animal.
Owner, FM Agency Group, 1810 Barataria Blvd Marrero, La 70072
Most companies have a prohibited dog list. If you have one of these dogs listed below most home insurance companies will either not write the policy or issue a notice of non-renewal if discovered.
If you have an animal liability endorsement, the coverage more than likely will not cover any prohibitive dog claim. Animal liability or "dog bite" liability will cover your dog that is not on any prohibitive list and has no bite history. Take a look at the list from one of the companies we represent.
Akitas
American Bulldogs
Beaucerons
Caucasian Mountain Dogs
Chow Chow
Doberman Pinschers
German Shephards
Great Danes
Pit Bulls
Rottweilers
Staffordshire Terriers
Wolf Hybrids
This not a general list for all homeowners insurance companies. Each company may have their own list of prohibitive dog breeds.
If you own a dog, it is best you first check your policy to determine if your homeowners policy covers any animal liability claim and if so, what is the sublimit of liability?
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If you have an animal liability endorsement, the coverage more than likely will not cover any prohibitive dog claim. Animal liability or "dog bite" liability will cover your dog that is not on any prohibitive list and has no bite history. Take a look at the list from one of the companies we represent.
Akitas
American Bulldogs
Beaucerons
Caucasian Mountain Dogs
Chow Chow
Doberman Pinschers
German Shephards
Great Danes
Pit Bulls
Rottweilers
Staffordshire Terriers
Wolf Hybrids
This not a general list for all homeowners insurance companies. Each company may have their own list of prohibitive dog breeds.
If you own a dog, it is best you first check your policy to determine if your homeowners policy covers any animal liability claim and if so, what is the sublimit of liability?