Sep 26
Dogs and Homeowners Insurance
About 40 percent of American households have at least one dog, according to The Humane Society of the United States. Many of those dog owners have homeowners insurance as well. The Insurance Information Institute informs us that dog liability claims have now topped more than $1 billion a year – and some insurance companies are refusing to write coverage for owners of certain breeds.
The list of top breeds involved in both bite injuries and fatalities changes from year to year and from one area of the country to another. Although genetics do play some part in determining whether a dog will bite, factors such as whether the dog is spayed or neutered, properly socialized, supervised and safely confined play significantly greater roles. Responsible dog ownership the key to dog bite prevention regardless of breed, but certain breeds to raise the odds of an occurrence substantially.
Some insurers have lists of breeds and crossbreeds they will not insure. The usual suspects are: pit bulls, rottweilers, wolf hybrids, huskies, Dalmatians, Airedales, and Great Danes. Other insurers consider such breeds on a case-by-case basis. In some states, it’s illegal for insurance companies to deny coverage simply because a home has a dog of a particular breed.
More after the jump…
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