Homeowners Insurance Companies That Cover Rottweilers
Other insurers say they don t discriminate based on breed but may ask about the dog s history.
Homeowners insurance companies that cover rottweilers. Dogs such as pit bulls rottweilers chows presa canarios and akitas are often on banned dog lists by home insurance companies. An insurer may lower premiums if you can provide proof of certified obedience training socialization classes and a fully fenced property. Why homeowners insurance companies blacklist dog breeds the cdc estimates that dogs bite an average of 4 5 million people every year. Generally home insurance covers a homeowner s liability for dog bites.
Some insurers will charge you more for homeowners insurance or renters insurance if you have a certain breed of dog including rottweilers. But as the costs of dog bite litigation spiral some home insurance companies are refusing to write coverage for owners of certain breeds. Over the years homeowners insurance companies have added restriction after restriction to these policies and breeds of dogs are no exception. That s over 48 million households with an average of 1 6 dogs per household.
The mspca receives many phone calls from people who are denied homeowner s insurance solely because they own a particular breed of dog. Most insurance companies are willing to accept proof that you re a responsible owner and that your dog is a healthy balanced and calm animal no matter the breed. Just checked and my homeowners insurance will not cover a rott and will cancel my coverage. The facts on home insurance dogs.
Here are some basic facts about dog ownership and homeowners insurance. According to the american veterinary association almost 40 percent of american households have a dog. Some states ban insurance discrimination by dog breed. Homeowner s insurance providers that do not cover specific breeds of dogs like rottweilers will most often require their clients to purchase an outside rottweiler liability plan.
These breeds include pit bulls rottweilers dobermans german shepherds and labrador retrievers. Homeowners insurance and rottweilers hi i am fostering and in the process of adopting a rottweiler from the local humane society. Rottweiler owners and owners of other banned breeds have felt the pressure of breed specific prejudice everywhere from obedience classes to dog parks and of course insurance companies. If you own a dog or plan on getting one be aware of homeowners insurance dog breed restrictions.
Some insurance companies also refuse to insure homeowners who have dogs with a history of aggressive behavior.
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