What Dog Breeds Raise Homeowners Insurance?

  1. 15 POINTS
    Angela Smith
    President, Smith Insurance Services, Inc., Indiana
    Normally, you do not see an increase in premiums for particular breeds of dogs. It becomes an issue of whether or not your application is "acceptable" to the insurance company. There are usually two questions asked on an application for homeowners insurance - if you own any pets ... if so, what type and breed. Some breeds, i.e. pit bulls, are an automatic decline.
    Answered on June 22, 2013
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  2. 39 POINTS
    Ray Robbins
    Owner, Ray Robbins Agency, Wisconsin
    Most companies do not charge extra for any dog breads and yes some companies will not cover (accept) certain dog breads and you may want to check with your agent to see what the exclusions are. Some companies don't mind any dog breed such as Farmers we do not care about the breed as long as it has not bitten anyone and if it has we will ask for an exclusion and will not cover the dog under your home owners. We also have pet insurance.
    Answered on March 17, 2016
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