Are you looking for a furry friend to add to the family? Before buying a dog, make sure to check with your insurance agent or company to make sure the dog is acceptable. Most insurance companies have a list of dog breeds they consider unacceptable to their policyholders to own.
I know what you're thinking, "Why is it important and what business is it of them what kind of dog I" the answer is very simple - if your dog bites someone, then you could be prosecuted. If you are sued, your insurance company will pay the bill. Since that is the case, the insurance companies believe that they have a very good reason to decide what kind of dog they will. In most cases, this is not a question of price, but more a question of whether or not an insurance company will provide coverage for all of you. Most insurance companies are watching the dogs as an additional risk to a home. They want to minimize the amount of risk, minimizing the possibility of a claim must be filed. Insurance companies understand that dogs are part of many families, so they limit their restrictions on certain dog breeds, as opposed to the restriction of the dogs together.
Most insurance companies agree on the larger breeds of dogs that are deemed unacceptable. Pitbulls, Rottweilers, Akitas, Chows, and other large dogs or dogs that are known for their aggressive disposition are generally on the restricted dog list of each insurance company. Other carriers may differ on certain breeds. German shepherds, for example, are listed on dogs lists some insurance companies while others can afford this race if the policy is written in a program, or has completed the Citizen program Good American Kennel Club. Each carrier has their own idea of what they think is a breed of dog unacceptable, and these lists may change.
breeds such as Labradors, golden retrievers, beagles or are generally accepted by an insurance company. These dogs are considered favorable races to the family and do not pose an increased risk for insurance companies. This does not mean that these dogs do not bite, but just as insurance companies feel the likelihood of these breeds bite someone is less than dogs discussed above. And it's always good to remember that any dog can bite, regardless of race! (See more information about dog bite facts and prevention here.)
This blog is in no way condemning any breed of dog. Just because you own a dog of a more aggressive race does not mean it is a "bad" dog. As the old saying goes, "a few bad apples spoil the bunch." In the case of dog breeds when it comes to insurance coverage, that is certainly true!
At your pet has had an impact on your insurance coverage? I want to hear your story!
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