Pets are family. As such, damages they inflict on others' person or property may be covered under home insurance policies via liability coverage — the part of your insurance policy that applies if you're held liable for property or bodily injury damage suffered by someone else. However, there are certain breeds that are often ineligible for home insurance.
The main reason pets are excluded from insurance is because of the risk profile they present. Certain dog breeds and types of animals — usually exotic pets — may be eligible only for limited liability or no liability. If your dog has a history of bite incidents or aggressive behavior, it may be ineligible for home insurance coverage.
Below is a list of dogs that may be ineligible for home insurance coverage. *
- German Shepherd
- Akita
- Alaskan Malamute
- Cane Corso
- Chow Chow
- Doberman Pinscher
- Great Dane*
- Rhodesian Ridgeback*
- Mastiff
- Pit Bull Terrier
- Presa Canario
- Rottweiler
- Siberian Husky
- Wolf hybrid
AVERAGE HOME INSURANCE PREMIUM WITH AGGRESSIVE BREED*
| Insurance Company | Average Annual Premium |
|---|---|
| AAA | $1,174 |
| Allstate | $1,394 |
| American Family | $1,730 |
| Amica | $1,986 |
| Farmers | $1,862 |
| Liberty Mutual | $1,414 |
| Nationwide | $1,428 |
| Progressive | $1,738 |
| State Farm | $1,464 |
| Travelers | $1,498 |
| USAA | $1,526 |
*premiums from approximately 2019
*this information was presented by National Association of Professional Pet Sitters. Coverage can vary from state to state or from carrier to carrier
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