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How Does Owning a Dog Affect My Insurance?

Published on Apr 18, 2019

“Dogs are a man’s best friend.” About 44% of the households in America have pet dogs -- and it’s easy to believe this fact when you step out the door in the morning and look around your neighborhood. From Chihuahuas to Great Danes, the variety is endless, and it’s safe to say that most Americans love their dogs.

There is one thing to note about dog owning, though. Many insurance companies won’t cover your homeowners insurance if you have any of the following “dangerous breeds”:


  • Pit Bulls & Staffordshire Terriers
  • Doberman Pinschers
  • Rottweilers
  • Chows
  • Great Danes
  • Presa Canarios
  • Akitas
  • Alaskan Malamutes
  • German Shepherds
  • Siberian Huskies
  • Wolf-hybrids
  • Or a mix of any of the above

Even if your pup has never bitten anyone in its life or even bared its teeth, it’s important to note that some insurance companies simply won’t look past the fact that it comes from the “blacklist.” When looking into adopting a new pet, be sure to check that your homeowners policy allows for it, and as always, don’t hesitate to contact us if you have any questions!

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