Do German shepherds increase homeowners insurance?
If you own a German Shepherd, your dog may or may not increase the cost of your homeowners insurance. It depends on several factors, including what state you’re in and which insurance company you’re using. The good news? Your rates may stay the same.
Are German shepherds excluded from homeowners insurance?
The home insurers’ “banned breeds” lists are long and include dogs you’d expect, like Rottweilers, some you might not expect, like German Shepherds and rarer breeds like Alaskan Malamutes. Pit bulls of all types top the list.
Why do home insurance companies ask if you have a dog?
Many homeowners insurance policies cover dog bites and other incidents. 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.
Does Geico cover German shepherds?
Breeds typically given this designation include: Pit Bulls or Staffordshire Terriers; Rottweilers; Doberman Pinschers; German Shepherds; Great Danes; Akitas; Chows; and Presa Canarios. So long as your dog is approved, under personal liability coverage, you will be protected if your dog bites someone.
Does Allstate cover German shepherds?
Allstate does not cover German Shepherds. American Family covers all dog breeds.
What breed of dogs are not covered by homeowners insurance?
The most common types of dog breeds that are not allowed on most homeowners insurance include Rottweilers, Pit Bulls, Akitas, Siberian Huskies, Mastiffs, and more. Insurance companies do not want to risk insuring these breeds as they tend to be aggressive, which would result in more expenses for the company.
Do homeowners insurance ask about dogs?
In order for your dog to be covered by your home insurance, you’ll need to add your dog to your policy. If you haven’t made your company aware of your furry friend, they may deny you coverage if you file a claim.
Can a German Shepherd be a homeowner insurance policy?
The concern is further validated by the Dog Bite Law Center’s assertion that 70 percent of all bite incidents occur on the dog owner’s private property. U.S. News and World Report indicates that virtually no regular homeowners’ insurance company will issue a policy for a house where a German shepherd lives.
Is there homeowners insurance for dog owners?
Homeowners insurance for dog owners can be hard to find. Over 54 million families own a dog, but insuring your best friend can get complicated, especially with certain breeds.
Is it bad to have a German Shepherd as a pet?
The German shepherd can be costly. While your German shepherd may be an excellent watchdog and deterrent for potential burglars, most likely he isn’t as vigilant or helpful in the battle against increasing homeowners’ insurance premiums.
Is it illegal to deny home insurance based on dog breed?
Michigan and Pennsylvania are the only states where home coverage denial based on breed is illegal. In all other states, your insurer can decide if a dog breed is a reason for coverage denial. Some home insurance providers have firmer policies on breeds of dog as a basis for coverage.