Why home insurance companies will not cover all dog breeds.
For many dog owners, it is shocking to discover that their four-legged friends are not covered under their homeowners insurance policy. While this seems unbelievable, certain dog breeds are declared “too dangerous” for insurers to cover. Curious to learn more about this seemingly unfair policy? Then here’s why home insurance companies will not cover all dog breeds.
“Dangerous” Dog Breeds
When a home insurer excludes dogs from coverage, it is usually based on a breed’s history of biting and violent attacks. Usually, insurers use information on which breeds are most likely to bite and data on the dogs with the strongest bites to determine which breeds they will not cover. Some of the most commonly excluded dog breeds include:
- Chow Chows
- Doberman Pinschers
- German Shepherds
- Pit Bulls
- Presa Canarios
- Siberian Huskies
- Wolf Breeds
Please note that this is not a comprehensive list and that different insurers will have different rules regarding breed coverage exclusions.
Insurance is Based on Probability
Many homeowners are upset that their dogs are excluded from coverage, especially if they have never demonstrated any signs of aggression. However, it’s important to remember that the insurance industry is based on probabilities and calculating risk. While your dog may have never hurt anyone before, if you own a prohibited breed and he or she does end up biting someone, the odds are that the bite will be a serious one.
This is why home insurance companies will not cover all dog breeds. Are you curious to learn more about the coverage exclusions that apply to your homeowners insurance? If so, then contact the experts at 01 Insurance in Astoria, New York. Our dedicated team is eager to assist you with all your coverage needs today.