Insurance Dog Exclusion List
As an owner of a dog on the exclusion list you may face a few hurdles procuring homeowner s insurance but you don t have to relocate and you don t have to give up your four legged companion to get coverage.
Insurance dog exclusion list. The company is no longer providing liability coverage for dog bite claims when it comes to three breeds pit bulls. The average dog liability insurance claim was 33 230 in 2016 according to the insurance information institute. The insurance information institute says dog related claims accounted for more than 600 million in insurance payments in 2016. However did you ever thing that owning a dog might affect your erie homeowners insurance.
If your current home insurer won t sell you a policy that excludes dog liability ask an independent insurance agent if there are any companies that will. These lists have various names depending on the company such as excluded dog breeds aggressive dog list insurance list of dangerous dogs prohibited dog breeds and one simply labels it. Those injuries also have a bigger impact on homeowners insurance than you might realize. Home insurance banned dog breeds.
Annually and 20 of those bites become infected according to the centers for disease control and prevention cdc. If you have a dog breed known for being vicious home insurers can consider them high risk regardless of how nice yours is. This office recently took on an arguably million dollar dog bite case only to find that the defendant s homeowner s policy had an animal liability exclusion the truth is that many reputable insurance companies still insure these dogs but it is not easy to discover whether you will be covered until you actually apply for insurance. Insurers have a list of dog breeds that have a history of aggression or bites.
Adopting a dog is a great way to save the life of an animal and bring a new addition into your family. The list below shows the breeds insurers tend to see as a restrictive rate factor. Homeowners insurance dog exclusion list. With those numbers in mind it s understandable that insurance companies want to know if you ve got a dog in your household.
Because dog bites are so prevalent insurance companies do everything possible to limit their risk. The liability portion of homeowners insurance usually covers injuries and damage caused by your dog such as property damage or bites. There are a few breeds of dogs that are on the a list or are known to be aggressive with high rates of biting. Many carriers may put a dog exclusion on their policies which voids coverage if you acquire a dog on the ineligible breed list.
However insurance companies may not cover damage from large dog breeds or those that have a reputation for being aggressive as they are a bigger risk to insure.
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