Having a certain dog breed can stop many customers from getting home insurance coverage. The few companies that do accept these dog breeds usually have exclusions to deny any liability that can arise from that particular dog breed. We advise clients to notify their agent/insurance company of a dog that they have in the household. If at the time of purchase you did not have a dog but decided later on to obtain a dog, it could leave you exposed to a liability risk if that dog breed is excluded from your current home insurance policy. Do not assume that you are covered just because the policy is active and the home insurance company does not know you have a dog.
The most common dog breeds that are excluded are:
Akitas, Cane Corsos, Chows, Pit Bulls, Presa Canario (canary dog), Rottweilers, Staffordshire Bull Terriers, wolf hybrids, or any animal with a bite history.
We have programs that will accept these breeds, but liability would be excluded arising from this breed. Some programs would even extend coverage to these breed but with substantial surcharge to your insurance premium.
We are always here to help you find the best program for you, feel free to contact us with any questions you may have.