Insurance Companies That Don’t Discriminate Dog Breeds
Have you ever had trouble getting insurance for your dog because of their breed? It can be frustrating, but not all insurance companies discriminate based on breed.
Some insurance companies are more accommodating than others when it comes to covering restricted breeds. Rather than flat-out denying coverage due to a “dangerous” breed, some companies will evaluate your situation on a case-by-case basis.
But it’s not just the insurance companies you need to keep an eye on. You also need to stay up to date with the laws in your area that could affect your dog ownership or policy coverage. These laws can vary on the state and local level.
For instance, Pennsylvania and Michigan have laws prohibiting insurers from denying coverage based on specific dog breeds. And in Ohio, if you own a dog deemed “vicious,” you’ll need to purchase at least $100,000 of liability coverage.
Over 900 cities have ordinances regulating ownership of potentially dangerous breeds. That means your city or county could have a policy that bans owning pit bulls, while your neighboring city is perfectly fine with them. If you own a banned breed and your city prohibits it, your insurance will not cover your dog.
One thing to remember is that it’s never a good idea to hide your dog from your insurance company. Doing so could invalidate your policy and make you solely responsible for medical bills and damages caused by your dog.
Thankfully, some insurance companies don’t even consider your dog’s breed when you apply for coverage. For example, State Farm doesn’t take breed into account at all. Instead, they only ask about your dog’s bite history.
Other companies that provide insurance to dog owners regardless of breed include USAA and Chubb. However, keep in mind that these companies may charge you more for having a restricted breed, so it’s still worth shopping around to get the best deal.
So if you’re having trouble getting homeowners insurance because of your dog’s breed, don’t fret! There are plenty of options out there, and with a little research, you’ll find the coverage you need to keep your furry friend protected.