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10 Dogs That Might Raise Your Homeowner’s Insurance

Your dog is your best friend… and it would never bite anyone. But if it did, you could be held liable, and your homeowners insurance would have to pay out for it. That means your insurance company is very interested your dog.

Insurance companies keep a list of dogs that are likely to be involved in a costly attack. If your dog makes the list, you may have to pay higher premiums for your homeowners policy. You might even be denied coverage.

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The Top Ten “Bad Dogs”

These breeds of dogs are on this list because of their strength and temperament — and because they have a history of incidents.

Here are the top ten troublemakers:

  • Akita
  • Alaskan Malamute
  • Chow Chow
  • Doberman Pinscher
  • German Shepherd
  • Pit Bull
  • Presa Canario
  • Rottweiler
  • Siberian Husky
  • Staffordshire Bull Terrier

What Should Dog Owners Do?

Plenty of dogs go through life and never bite anyone. So owners aren’t pleased to see these breeds singled out. And paying higher insurance premiums doesn’t make them very happy, either.

So if you own one of these dogs, what should you do? Here’s what the American Kennel Club recommends:

  • Contact your dog’s national breed club and ask them to recommend an insurance company.
  • Show that your dog has completed an obedience training program.
  • Shop around. Talk to more than one insurance agent before you buy.

Before you choose your next canine companion, decide whether owning one of the dogs on this list will add too much to your insurance bill.

You might also want to get an umbrella policy. If you are found liable for an attack, an umbrella policy will provide you more protection than just having a regular homeowners policy.

And if you’re already the proud owner of one these breeds, remember that premiums can be dramatically different from one company to another. Ask around and get quotes from several insurance agents. While one agent might say “No way!”, you may find others who says “No problem!”

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