But His Name Is Marley!
Marley may have been a great yellow Labrador retriever, but when it came to his chewing antics, in reality, Marley could have caused much property damage both in his own home and to neighbor’s homes.
More and more, insurance companies are offering up “high risk" dog lists while many organizations in states fight for breed discrimination laws to change. Some insurance companies will cover your home and property including accidents on your property but will also make you sign a waiver if you have a dog that’s on the high risk list. So is there such a thing as dog friendly homeowner’s insurance?
For those of us who know Pit Bull Terriers aren’t all bad and Rottweilers can be a joy to own, they are indeed on that beware list and often, if you don’t disclose you own the dog, or your insurance carrier finds out after the policy has been written, you could lose your homeowner’s insurance in a flash.
Bankrate offers up a list of dogs that are considered high risk including the Pit Bull, German Shepherds, Dobermans, the Presa Canario, Akitas, Alaskan Malamutes, Chows, Huskies and wolf hybrids—or even a mix of any of these breeds.
The American Kennel Club (AKC) offers a statement on dog friendly homeowner insurance and dogs that reads:
“The American Kennel Club believes that insurance companies should determine coverage of a dog-owning household based on the dog’s deeds, not the dog’s breed. If a dog is a well-behaved member of the household and the community, there is no reason to deny or cancel coverage. In fact, insurance companies should consider a dog an asset, a natural alarm system whose bark may deter intruders and prevent potential theft."
Finally, InsuranceYak offers that dog insurance claims cost in the $300 million range each year—1/4 of all the liability claims filed by homeowners.
Before you throw in the towel or get rid of your dog, there are some dog friendly insurance options you can consider.