Home Owner Insurance and Pet Dogs

by Jared Balis

Find an insurance company that will insure your dogs liability - request a free quote!

The Problem

Owning certain breeds of dogs can make it difficult to find a home owner insurance policy. Here are eight breeds that may cause a problem with your insurer:

• Staffordshire Bull Terrier
• Akita
• Siberian Husky
• Alaskan Malamute
• American Pit Bull Terrier
• Rottweiler
• Chow Chow
• German Shepherd
• Doberman Pinscher

The Solution - What You Can Do to Find the Right Insurance Company

There are many things you can do to make sure you get the best policy at the best price, while still covering animal liability.

• Call your state insurance commissioner. Ask for a list of insurers in your state that offer home owner insurance. They may know the companies that insure a home owner with certain breeds.
• Call each insurer and ask them their policy about the breed you own.
• Ask your friends and familiy, that have the same breed of dog, who they have insurance through. Find out how their company covers their dog liability.
• Show the insurance company that your dog has completed one or multiple obedience training courses.
• Tell your insurance company that your dog does not have a history of biting (if this is true)
• Visit XInsurance.com: find out more about their animal liability coverage.

Although it may not seem fair, claim histories show that certain breeds of dogs have more liability claims than other breeds.

If you are considering one of the breeds listed above, and haven't bought one yet, it's a good idea to call your insurer, or get quotes from different companies to find out what each company's policy is on that specific breed.

To avoid problems with your insurer, choose a different breed of dog. But if that's not an option, make sure you do your research first!