What are the top 6 breeds of dogs that Homeowners and Renters Insurance doesn’t cover?
May 30th, 2010
Where would a person need to go to find Renters Insurance if they have one of these breeds?
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It’s based on size mostly – Rottwilers are on the list fer shurrr.
To get insurance, you will have to call each agent or company and ask their policy on dogs.
Pitbulls, Rottweilers, Dobermans, Chows, German Shepards, and Presas get the most attention. To find out for sure, you should ask an agent who represents a company you are considering.
They can’t exclude a specific breed dog from coverage, so if you own one of them, they flat out won’t write your policy.
The list varies from company to company, and it’s not always six. Prohibited in all the companies I’ve worked with, are Rottweilers, American Staffordshire Terriers (aka pitt bulls), wolf and wolf hybrids, and any dog who’s ever bitten anyone before. Also on many lists are German Shepherds, Chows, and Dobermans. I’m forgetting some.
It’s not frequency of bite, as a few toy breeds are NASTY biters, but it’s severity of injury, combined with territoriality (aka, biting ‘unprovoked’).
I’ve heard people say, “oh this company” or “oh, that company” will write liability over this breed dog, but I’ve never SEEN it. Companies like Foremost that will write a renters polciy when you own one of the breeds, specifically makes you sign a dog EXCLUSION. You’re probably best off just going to your local yellow pages, calling around and asking, “hey, do you have a company that will insure a rottie”.