how much does a dog add to home insurance

Dog’s Impact on Home Insurance: Cost Explained

There are about 85 million dogs in America, and more homes are getting a furry friend every year. Dogs bring joy but also increase the risk in a home. If your dog bites someone, you could be legally responsible. Knowing what your homeowners insurance covers is key.

Every year, millions of dog bites happen, often to kids. These incidents can lead to big medical bills. In 2022, the average cost of a dog bite claim was around $64,555, with 17,597 claims filed.

Key Takeaways

  • Dog ownership can significantly impact home insurance costs and coverage.
  • Insurance companies consider certain dog breeds as higher risk, leading to potential denials, exclusions, or premium increases.
  • Understanding your policy’s liability coverage for dog-related incidents is crucial.
  • DNA testing can provide evidence of a dog’s breed to insurers.
  • Canine liability insurance is an option to supplement homeowners coverage.

Will My Home Insurance Cover Me if I Have a Dog?

Having a dog means you need to know how your home insurance might help or not. Liability coverage on home insurance is there to protect you if you’re found responsible for injuries or damage to others. But, it might not cover you if your dog bites someone.

Liability Coverage and Dog Bites

Usually, liability coverage kicks in if someone gets bitten by your dog on your property or somewhere else. But, not all dogs are covered. If your dog is on a list of restricted breeds by your insurer, they might not accept your claim. Dogs like Akita, Pit Bull, Rottweiler, and others might not be covered because they’re seen as a higher risk.

Understanding Your Policy

It’s key to really look over your home insurance to see if your dog is covered before something happens. Some insurers won’t cover dog-related claims at all. Others might offer extra coverage or riders for pet liability. Knowing what your policy says can help you get ready for different situations and make sure you’re protected.

As of recent data, there were about 85 million dogs in America. In 2022, the average cost of dog bite claims was around $64,555, with 17,597 claims filed. In 2021, insurance companies paid an average of $49,025 for dog bite claims. This shows the financial risks for both insurers and dog owners.

Knowing what your insurer thinks about dog breeds and any rules they have is important. By understanding your policy and the risks, you can make smart choices to protect yourself, your family, and your pets.

Top Dog Breeds That Insurers Won’t Cover

Some dog breeds are seen as higher-risk by homeowners insurance companies. These breeds are often bigger, stronger, and may be more aggressive. This makes them a bigger liability for insurance companies. So, they might limit or refuse coverage for dog bites from these breeds.

Restricted Breed Lists

Common dog breeds that may face insurance restrictions include Akitas, Chow chows, Doberman pinschers, German shepherds, Huskies, Mastiffs, Pit bulls, Presa Canarios, Rottweilers, Staffordshire terriers, and Wolf hybrids. Insurers often have lists of restricted breeds. They might increase premiums or deny coverage for these dogs.

Insurance usually covers dogs not on the restricted list, but coverage can differ between insurers. Homeowners should check their policy details and breed-related exclusions with their insurance provider.

Dog Breed Prevalence in Restricted Breed Lists
Pit Bull Very Common
Rottweiler Very Common
German Shepherd Common
Chow Chow Common
Akita Common
Doberman Pinscher Common

Restricted Dog Breeds

Homeowners with restricted breed dogs may find it hard to get insurance. But, they can look for different insurers or buy extra dog bite liability insurance from specialty companies.

What to Do if Your Insurer Won’t Cover Your Dog

If your current insurer won’t cover your dog or refuses to insure you because of your pet, there are other options. You can find coverage by thinking creatively and being persistent. Look for dog-friendly insurance providers to protect your family.

Consider training your dog for the Canine Good Citizen certification from the American Kennel Club (AKC). This shows your dog is well-behaved and might change an insurer’s mind about breed restrictions. It proves your dog is a calm, friendly pet, which could lead to coverage.

Also, look for insurers that don’t mind your dog’s breed. Companies like AIG, Chubb, Encompass, Hippo, Safeco, State Auto, State Farm, and Plymouth Rock offer coverage without breed bias. Comparing their quotes can help you find a good match for your family.

If all else fails, ask your current insurer to exclude your dog from the policy rather than canceling it. This might raise your premiums but keeps your home covered. You can then get separate liability insurance for your pet from a specialty provider.

Always be persistent and check all your options. With some research and effort, you can find a solution that covers your home and your dog.

Insurance Companies That Don’t Discriminate by Breed

When you own a dog, the breed can affect your home insurance. Luckily, some companies offer dog friendly home insurance without breed bias. They believe in covering all dogs, not just certain ones.

In many states, laws stop insurers from using breed to deny or raise rates. If you live in such a state and have a breed others won’t cover, you might find more options. Companies like Allstate, Amica, Chubb, Fireman’s Fund, Liberty Mutual, Massachusetts Fair plan, Nationwide, State Farm, and USAA are known for being more lenient on dog breeds.

These insurers that cover all dog breeds look at the dog’s behavior and history, not just its breed. They might see some breeds as higher risk. But, they’re often willing to cover them with extra training or liability coverage.

dog friendly home insurance companies

“We don’t discriminate against specific dog breeds. Our focus is on the individual dog’s temperament and behavior, not just the breed.”

– spokesperson for Amica Mutual Insurance

If you’re a dog owner looking for good home insurance, check out these dog friendly home insurance companies. Choosing one that doesn’t judge by breed means your dog will be protected. You won’t face unfair price hikes or exclusions.

How Much Does a Dog Add to Home Insurance?

Having a dog can change how much you pay for home insurance. Insurance companies look at the dog’s breed, size, and past behavior when setting rates. This means owning a dog can affect your insurance costs.

Impact on Rates

Dog bites can lead to high medical bills and legal costs. The Insurance Information Institute (Triple-I) says the average cost for dog bite claims in 2021 was $49,025. If your dog bites someone and your insurance covers it, your home insurance might go up.

The type of dog you have, its history of biting, and any past claims can change your insurance rates. Some dogs, like Pit bulls, Rottweilers, German shepherds, Cane corsos, and Wolf hybrids, are seen as more aggressive. This can make your insurance premiums go up.

Dog Breed Average Home Insurance Premium Increase
Pit Bull 20-30%
Rottweiler 15-25%
German Shepherd 10-20%
Cane Corso 18-28%
Wolf Hybrid 25-35%

Insurance companies also look at the dog’s size, personality, and past incidents when setting rates for dog owners.

“Owners of dogs considered aggressive breeds can sometimes add these dogs to their homeowners insurance policies after completing a training course, such as the American Kennel Club’s Canine Good Citizen Test.”

Knowing what affects your home insurance rates for dogs can help you lower your costs. You can take steps to reduce the impact of your dog on your insurance.

Failing to Disclose Your Dog to the Insurer

Not telling your home insurer about your dog can lead to big problems. Leaving out or lying about your pet can cause serious money and legal issues. If you don’t tell the truth about your pet, you might not get claims paid, could lose your policy, and could be personally liable if something happens.

Many homeowners insurance policies have rules about dogs. Insurers might not cover or charge more for dogs seen as high-risk, like German shepherds, pit bulls, and Rottweilers. If your dog bites someone and you don’t have coverage, the insurer might not pay for the medical bills or legal fees.

In 2021, dog bite claims cost insurers about $50,000 each on average. Not telling your insurer about your pet can lead to big financial losses. It’s important to tell them about your dog’s breed and any past aggression to make sure you’re covered and safe from legal trouble.

A recent court case shows why it’s key to tell about your dogs. The owners didn’t mention two bull mastiffs, and the court said the insurer could cancel the policy because of this lie. This shows that not telling about your dogs can mean no claim pay-out and losing your insurance.

“Failing to disclose your dog to your insurer is a material misrepresentation that can have serious consequences. It’s crucial to be upfront about your pet to ensure your coverage meets your needs and protects you from potential liabilities.”

Claims stay on a database for five to seven years, and many claims can make getting insurance hard or limit your coverage. Claims about dog bites and other liability issues can really affect your insurance rates and if you can even get coverage.

In short, telling the truth about your pet is very important. Telling your insurer about your dog’s breed and any aggression history is key to keeping full coverage and avoiding financial and legal problems. Being honest with your insurer helps protect you and your family.

Dog disclosure

Insuring Mixed-Breed Dogs

Insuring your dog can be tricky, especially if it’s a mix of different breeds. Many home insurance companies don’t like certain dog breeds because they think they’re more likely to bite people. This makes it hard for owners of mixed-breed dogs to get the right coverage.

If your mixed-breed dog has a breed that insurers don’t like, like Pit bulls or German Shepherds, you might not get coverage. Even if your dog has never been aggressive, insurers might still see it as a risk. And if your dog has bitten someone before, you might not be able to insure it at all.

It’s best to tell the truth about your pet’s breed and history when you apply for insurance. Lying about your dog could lead to your claim being denied if something happens. Being honest helps you find a policy that covers you and your dog.

Common Restricted Breeds Reasons for Restrictions
Pit Bull Terriers Known for their strength and potential aggression
Rottweilers Often perceived as intimidating and potentially dangerous
German Shepherds Historically used as guard dogs, which can make them seem more aggressive
Chow Chows Renowned for their independent and sometimes aloof temperament
Akitas Powerful and territorial breeds that may be perceived as a liability risk

It can be tough to insure mixed-breed dogs, but being a responsible owner and training your pet well can help. Programs like the AKC Canine Good Citizen Test show your dog is well-behaved. This might make it easier to get insurance.

Being honest, looking at different insurance options, and focusing on your pet’s health can help you handle the challenges of insuring mixed-breed dogs. Your furry friend should have the same protection as any family member.

Policy Cancellation for Restricted Dog Breeds

Owning a dog can affect your home insurance. Insurers can cancel your coverage if you have a dog on their restricted list. These breeds are seen as higher risks because they might bite or damage property.

If you don’t tell your insurer about a restricted breed dog when you apply or renew your policy, they can cancel it. They can also cancel if they find out your dog has bitten or acted aggressively and you didn’t tell them.

Having a restricted breed dog comes with big risks. In 2021, dog bites cost an average of $49,025 each, with over 17,900 claims. This led to more than $882 million in payouts. Insurers try to avoid these costs by not covering certain breeds.

Top Restricted Dog Breeds
Doberman Pinscher
Pit Bull
Chow Chow
Wolf Dogs and Hybrids
Presa Canario (Canary Dog)
German Shepherd
Alaskan Malamute

Some states like Connecticut, Michigan, Nevada, New York, and Pennsylvania don’t let insurers discriminate based on breed. But, many insurers still have lists of restricted breeds. If you have one of these dogs, you might find it hard to get insurance. If you don’t tell your insurer about your dog, they could cancel your policy.

If your policy gets canceled because of your dog’s breed, look for a new insurer. Some insurers might cover your pet if they look at each case carefully. Others might offer special policies or riders for liability. Being honest about your dog and taking steps to reduce risks can help you find a good insurance plan.

restricted dog breeds

how much does a dog add to home insurance

Having a dog can change how much you pay for home insurance. In 2022, dog bite claims averaged about $64,555, with 17,597 claims. The average cost for insurance to pay out for dog bites in 2021 was $49,025. If your dog bites someone and your insurance covers it, your premiums might go up.

The amount a dog adds to your insurance depends on many things. This includes the breed, its bite history, and any past claims. Some breeds like pit bulls, Rottweilers, and German Shepherds are seen as more aggressive. They might lead to higher premiums or even no coverage.

Dog Breed Average Cost of Insuring
Labrador Retriever $75 – $100 per year
Golden Retriever $80 – $110 per year
Pit Bull $100 – $150 per year
Rottweiler $125 – $175 per year
German Shepherd $90 – $130 per year

The cost to insure a dog can vary a lot. Your actual premium will depend on your insurance company, where you live, and your policy details. Some insurers might ask for extra liability coverage or special policies for your dog.

In summary, owning a dog can increase your home insurance costs. But, by telling your insurer about your dog, you can make sure you have the right coverage. This protects you and your loved ones.

Notifying Your Insurance Agent About a New Dog

When you welcome a new dog into your home, make sure to update your homeowners insurance. If you don’t tell your insurance about your new dog, it could lead to big problems. For example, if your dog hurts someone at your house, you could face serious issues.

It’s crucial to think about how a new pet might affect your home insurance rates. This is something you should pay close attention to.

Premium Increases

Getting a dog might raise your homeowners insurance costs. This is especially true if your dog is seen as “high-risk” by your insurance company. Dogs like Pit Bulls, Rottweilers, and German Shepherds often cost more because they might be more aggressive.

Telling your agent about your new dog early can help you avoid higher premiums. This way, you can make sure your insurance is still right for you.

The cost of pet insurance for dogs like Labradors and Golden Retrievers can be between $37.50 and $38.44 a month. But, the price can change based on your dog’s age, health, and where you live. Keeping up with policy changes helps you make smart choices about your coverage and budget.

Being a responsible pet owner means keeping your insurance company updated. Telling them about your new dog can prevent surprises later and make sure your insurance still fits your needs.

new dog insurance

Dog Breeds That May Affect Homeowners Insurance

Some dog breeds can change how much you pay for homeowners insurance. Experts say breeds like Pit Bulls, Rottweilers, and Doberman Pinschers can lead to higher costs or even no coverage. Other breeds like Siberian Huskies, Akitas, and Great Danes are also on this list.

In 2022, there were 17,597 dog bite claims, costing about $64,555 each on average. The year before, the average cost was $49,025 per claim. This shows why insurers might be cautious with certain dog breeds.

Dog Breed Percentage of Banned Lists
Doberman Pinscher 100%
Pit Bull 100%
Rottweiler 100%
Chow Chow 95%
Wolf Dogs and Wolf Hybrids 93%
Presa Canario (Canary Dog) 86%
Akita 79%
German Shepherd 45%
Husky 38%
Mastiff 29%

Each insurance company has its own list of breeds they don’t cover. Some might be okay with certain breeds more than others. It’s key to talk to your insurance about your dog to know how it might affect your coverage and rates.

high risk dog breeds for homeowners insurance

“In extreme cases, an insurance claim for a dog bite could add up to hundreds of thousands of dollars.”

High-Risk Dog Breeds and Insurance Outcomes

As a pet owner, the breed of your dog can affect your homeowners insurance. Some dog breeds are seen as “high-risk” or “restricted.” This can lead to different outcomes for homeowners.

Denial of Coverage

Some insurance companies won’t cover homes with certain high-risk dog breeds. This includes Akitas, Alaskan Malamutes, and others. They see these breeds as more likely to cause problems.


Even if you get coverage, there might be exclusions. These exclusions mean damages or injuries from your dog won’t be covered. You could end up paying for all damages yourself.

Premium Hikes

Homeowners with these breeds might pay more for insurance. Insurance companies charge extra to cover the risk. This is because these dogs might be more likely to cause claims.

Dealing with homeowners insurance and high-risk dog breeds takes effort. It’s important to talk to insurers and understand the risks. This way, you can make better choices and protect your insurance.

high risk dog breeds

The American Veterinary Medical Association says nearly one in five dog bites needs medical help. This shows how important it is to be responsible and have good insurance.

Options When Denied Coverage for Your Dog

If you’ve been denied homeowners insurance because of your dog’s breed, don’t worry. You have many alternatives to consider. These options could help you get the protection you need.

Shopping for Insurers

One option is to look for different insurance companies. Breed restrictions can change a lot between companies. So, what one insurer won’t cover, another might be okay with. Some insurers known for being more dog-friendly include Allstate, Amica, Chubb, Fireman’s Fund, Liberty Mutual, Massachusetts Fair plan, Nationwide, State Farm, and.

DNA Testing

If your dog’s breed is unclear, you can try DNA testing to find out. This is great if your dog is a mix of breeds, some of which might be restricted. Showing this info to your insurer might help them change their mind and approve your application.

Canine Liability Insurance

Another option is to get a separate canine liability insurance policy. These plans cover any incidents or injuries your dog causes, no matter their breed. This can give you the protection you need if regular insurers won’t cover your pet.

By looking into these options, you can find ways to get insurance for your dog, even if they’re a restricted breed. With some effort and research, you can make sure your furry friend is protected.

Alternatives when denied homeowners insurance for dog


Dogs can be a big part of the family, but they also increase the risk for homeowners insurance. Some breeds like the American Pit Bull Terrier, Cane Corso, Great Dane, Siberian Husky, and Rottweiler are seen as high-risk. Insurance companies might not cover them or might charge more because of their potential to cause serious injuries.

Homeowners should always tell the truth about their pets when getting or renewing insurance. This helps avoid problems with coverage later on. Knowing how dogs affect home insurance helps homeowners make smart choices to protect themselves. They should know about the possible higher premiums, the need for liability coverage, and breed-specific exclusions.

Even though dogs bring a lot of joy, homeowners need to think about insurance when they have pets. By staying informed and taking action, homeowners can make sure they have the right coverage. This way, they can protect their homes and families. And they can also give their dogs a loving and responsible home.


Will My Home Insurance Cover Me if I Have a Dog?

Home insurance can help protect you if you’re found at fault for injuries or property damage. But, it might not cover you if your dog bites someone. It depends on where the bite happened and your dog’s breed. If your insurer sees your dog as a high-risk breed, they might not cover you.

What are the Top Dog Breeds That Insurers Won’t Cover?

Insurers often don’t cover certain dog breeds. These include Akita, Alaskan malamute, Chow Chow, Doberman pinscher, German shepherd, Husky, Mastiff, Pit bull, Presa Canario, and Rottweiler.

What to Do if Your Insurer Won’t Cover Your Dog?

If your insurer won’t cover your dog, there are other options. You could train your dog as a Canine Good Citizen. Or, look for an insurer that doesn’t mind your dog’s breed. You might also ask your insurer to exclude your dog from the policy instead of canceling everything.

What Insurance Companies Don’t Discriminate by Dog Breed?

Some states stop insurers from picking on dog breeds. If you live in such a state, check out companies like Allstate, Amica, Chubb, Fireman’s Fund, Liberty Mutual, Massachusetts Fair plan, Nationwide, State Farm, and USAA. They might not discriminate against certain breeds.

How Much Does a Dog Add to Home Insurance?

How much a dog raises your home insurance depends on the breed, its bite history, and past claims. If your dog bites someone and you’re covered, you might see your premiums go up.

What Happens if I Fail to Disclose My Dog to the Insurer?

Not telling your insurer about your dog can get you in trouble. If you claim for an injury from an uncovered dog, they might deny your claim. You’ll then have to pay for medical bills and court costs yourself.

How Do I Insure a Mixed-Breed Dog?

If your mixed breed dog might be on the restricted list, your insurer might not cover it. Even if it’s a poodle or labrador mix, past bites could mean no coverage. Always be honest about your pet’s history and breed before filing a claim.

Can My Home Insurance Policy Be Canceled Due to My Dog’s Breed?

Insurers can cancel your policy if they don’t like your dog’s breed. Lying about having a dog or hiding its bite history can also lead to cancellation.

How Much Does a Dog Add to Home Insurance?

Dog bite claims averaged about ,555 in 2022, with 17,597 claims. The average payout was ,025 in 2021. If your insurer covers your dog and it bites someone, you might see premiums go up.

Do I Need to Notify My Insurance Agent When I Get a New Dog?

Adding a dog to your policy might increase your premium, especially if it’s on the insurer’s restricted list. This list affects coverage and premiums.

What Dog Breeds May Affect Homeowners Insurance?

Breeds like Pit Bulls, Rottweilers, Doberman Pinschers, German Shepherds, Siberian Huskies, Akitas, Chows, Great Danes, Presa Canarios, Alaskan Malamutes, and wolf-dog hybrids can raise your insurance costs.

What Happens if I Own a High-Risk Dog Breed?

Owning a high-risk breed can lead to several outcomes. You might be denied coverage, face exclusions, or see premiums increase to cover the added risk.

What Options Do I Have if I’m Denied Coverage for My Dog?

Denied coverage means you have options. Look for different insurers with varying rules. Some insurers, like Allstate, Amica, Chubb, Fireman’s Fund, Liberty Mutual, Massachusetts Fair plan, Nationwide, State Farm, and USAA, might be more open. You could also try a DNA test to prove your dog’s breed or get separate canine liability insurance.

Leave a Comment

Your email address will not be published. Required fields are marked *

Scroll to Top