Homeowner's Insurance for Owner's of "Dangerous" Dogs

Dog bites are a serious concern for home insurance underwriters. A single dog attack can result in very large medical bills as well as lawsuits and other liability costs. Because of this, many insurance companies will not insure a home containing a dog listed as being dangerous, and those which do may charge substantially higher rates based on the perceived risks associated with the dog you own.

What are Dangerous Dog Breeds? There are quite a few breeds of dog that considered dangerous. Among those at the top of the list are Pitbulls, Rottweilers and German Shepherds. Other breeds on the list include Doberman, Husky, Wolf hybrids, and even the Saint Bernard. These dogs are listed as dangerous based on serious attacks they have been accused of over the years. Some states, such as Massachusetts, have enacted laws to prevent discrimination of one breed over another, while other states have adopted regulations which define dangerous dogs using varied parameters. Check the laws of your state to find out which dogs are considered dangerous breeds, or whether the state allows such designations at all.

Dangerous Dogs and Liability Concerns Unless your state has a "one bite" law, you are legally responsible for injuries related to your dog biting a person or another dog. In addition to bodily injury, you can also be sued. If your breed of your dog is considered dangerous, your insurance company might be forced to pay for large sums in a liability lawsuit, which is why most insurance companies will not insure certain breeds and others simply refuse to insure dogs at all.

The "One Bite" Law Some states have laws which give your dog "one free bite." This means that, regardless of the breed of the dog, you cannot be sued over a single dog bite. But if the dog attacks more than one person or bites one person multiple times, then this law is considered void and all injuries or liability suits can be taken to your insurance or to court. Here is a list of states with a one bite law, but keep in mind that laws change and check your state's statutes before you assume you are protected:

Reducing the Cost and Increasing Insurance Acceptance Some insurance companies will not increase your premiums if your dog has completed the American Canine Good Citizenship program. This program certifies that your dog has been obedience trained and successfully completed the course under the supervision of the American Kennel Club, or AKC. Bear in mind that if your dog bites someone after taking the course, your insurance rates will increase, or your homeowner's coverage may even be canceled.

Shop for Dog Friendly Insurers Before you purchase homeowners insurance, shop around and compare quotes. You may find that there is a big difference in your premiums from one "dog friendly" insurer to another. By comparing rats online, you can compare similar coverages side by side, giving you the chance to see how the costs change between major insurance companies.