Is My Dog Insurable?
Over the years there
have been countless insurance claims of dog attacks. We cannot go a week or two without hearing of
the latest dog attack in the news and it only seems to be becoming more
frequent. Some insurance carriers have developed a list of “restricted breeds”
that they will not place homeowners’ coverage on due to the perceived
aggressive tendencies based on market research and historical behavior of
specific breeds.
Any dog has the ability to bite or harm a human; most
states across the U.S. have developed their own definition of what a “dangerous
dog” is considered. By defining different breeds of dogs that are “un-insurable,”
it’s becoming harder to write insurance coverage on the following breeds with
your California Home Insurance Policy:
·
Pitbull
·
Rottweiler
·
German shepherd
·
Huskies
·
Malamute
·
Doberman Pinschers
·
Chow Chow
Some states, including California have chosen to define
individual dogs as dangerous because of recorded behavior; others have chosen
to include the entire breed as “un-insurable” in their state. These lists
do not make it impossible to insure your property while the dog is living
there, but the insurance agent and underwriter will look over each case with
extreme caution. More information can be found on the National Underwriter website.
If you own one of
these dogs, or are thinking about purchasing one in the future, may we suggest
you speak with your insurance agent first. If an insurance adjuster stops by your home at any time and observes one of the breeds they deem “un-insurable” on the premise, they have the ability and right to cancel your policy immediately, so this is not something that should be taken lightly. We have quite a few companies that
still offer to insure these breeds. We would be happy to answer any questions
you have – call Remland Insurance today at 714)532-3341!
