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Homeowner’s insurance is a must-have when you own a home. You might know that a homeowner’s insurance policy covers certain types of losses to your house and its contents, such as damage from fire or storms, but did you also know that the liability coverage on a homeowner’s insurance policy protects you from claims and lawsuits for injuries and damages to the property of others that occur at your premises or from your actions, for which you might be held legally responsible, including those which arise out of dog-related incidents?
In California, insurance companies may "blacklist" home owners for owning certain dog breeds. These breeds might be considered "uninsurable", leaving the dog owner at risk of having to pay medical costs or pay out of pocket to defend themselves against a lawsuit if their dog bites someone.
The following dog breeds may be considered “aggressive”, "bad", or “dangerous” by certain insurance companies, leading to higher insurance rates or limiting the ability to get homeowner’s insurance:
Unfortunately, some insurance companies won’t write policies for homeowners who own certain breeds of dogs. Statistically, owning certain breeds carries a greater risk of dog-related incidents and bites. No matter how well-trained or mannered your dog is, if the breed is prone to biting you may find it difficult to get a reasonably priced homeowners insurance policy… if you find one at all.
While you can’t guarantee that your dog won’t bite, there are steps you can take to reduce risks.
What can a homeowner who owns a dog do to find reasonably priced homeowner’s insurance?
With Armor Insurance as your California independent insurance agent, you'll have access to an experienced homeowner’s insurance agent who can guide you toward the best homeowner’s insurance coverage and rate options if you own a dog.
If you are not an Armor customer, request a California homeowner’s insurance quote and get the expert guidance you've been missing!