How Does Having Some Breeds of Dogs Affect My Homeowners Insurance?

Shopping for home insurance anywhere in the United States can be a significant challenge if you have a dog. The task may be even harder if your dog breed is considered dangerous by the insurance providers. At least 65% of US households have a dog as a pet according to a survey that was conducted by the American Products Association in various cities and states including Bailey, CO.

This statistic means that American households keep at least 78 million dogs as pets. Although this figure may seem impressive, it is also alarming since these dogs injure a lot of people every year. This is what has made some home insurance providers turn a wary eye towards your “best friend.”

Which Dog Breeds Are Considered Dangerous?

While most insurance providers, such as Centennial State insurance Agency, don’t have an official list of the various dog breeds that they classify as dangerous, a significant number of these insurers have an unofficial list that is usually termed as a vicious/aggressive dog breed list. You should expect to pay a high rate of premiums if your dog breed is on this list.

These lists usually include most of the breeds that are renowned for having a bite history. This implies that statistically, these dogs have a greater chance of causing harm to other people, so the chances of you filing a claim are high.

In fact, a significant number of home insurance providers in Bailey, CO will not even write insurance for homeowners with these dogs while those that will offer you a home insurance policy will exclude animal liability. This means that if you own this type of a dog and it bites someone, the insurance company will not cover the damage.

Which Dog Breeds Are Considered Vicious?

It is always good to know the dog breeds that are mostly discriminated against so that you can take precautionary measures early. The breeds most often discriminated include:

  • Rottweilers
  • German Shepherds
  • Pitbull and Staffordshire terriers
  • Akitas
  • Chow Chow
  • Doberman
  • Huskies
  • Wolf Hybrids
  • Great Danes

Are you a homeowner in Bailey, CO? Contact Centennial State Insurance Agency today for your homeowners’ insurance policy.