One thought on “Why do some homeowners insurance companies have breed restrictions?

  1. Arti says:

    The most common result is that insurers will increase your insurance premiums. But if your dog is one of the most notorious breeds, like a pit bull or a wolf hybrid, you’re more likely to have to agree to an exclusion. And a few renters insurance policies will also base coverage decisions on what breed of dog you have. In fact, if you fail to disclose your dog’s breed when buying a policy, it could lead to your home insurance company not covering related claims. Yes. Just like homeowners insurance, renters insurance includes liability protection if your dog causes injury or property damage. The consequences if your insurer learns you have a restricted dog breed depends on several variables, including exactly which breed you have, your particular insurer’s policies, and where you live. Home insurance companies evaluate a range of criteria when determining what rates they offer, including how likely the policyholder is to make expensive claims — like liability claims for Home insurance companies evaluate a range of criteria when determining what rates they offer, including how likely the policyholder is to make expensive claims — like liability claims for dog bites.

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