Does having a dog affect your homeowners insurance? When adding your dog to your homeowners insurance, there is a chance that your premium will go up. This is especially true if the breed of your dog falls under the provider’s “breed list” which determines which breeds they will or will not cover, and which breeds are associated with higher premiums.
What dog breeds affect homeowners insurance?
- Alaskan Malamute.
- American Pit Bull Terrier.
- Chow Chow.
- Cane Corso.
- Doberman Pinscher.
- German Shepherd.
- Great Dane.
How much does a dog Add to homeowners insurance? The most common result is that insurers will increase your insurance premiums. A nationwide ValuePenguin analysis found that rates went up 1% if a policyholder had a breed of dog some insurers consider aggressive.
Why do homeowners insurance ask about dogs? Your policy’s liability insurance is intended to protect you financially by covering medical expenses if someone is injured on your property. The breed of dog is a key factor when it comes to determining your homeowners insurance premium.