Homeowners insurance continues on average to rise and the type of pets you own could be impacting your premium. Most common homeowners insurance policies will come with exclusions and a common one that gets a lot of attention is for the amount of dogs and type of dogs owned by the insured. Below is a list of dogs that insurance companies will typically adjust premiums for, exclusions for, or outright make an applicant ineligible.
- Akita
- American Bull Terrier
- Staffordshire Bull Terrier
- Chow Chow
- Doberman Pinscher
- Dogo Argentino
- German Shepherd
- Pit Bull
- Presa Canario
- Rottweiler
- Wolf Hybrids
- Husky
- Mastiff
- Any mix of the above breeds.
Some of my smaller regional carriers won’t even consider a client if they own one of the dog types listed above. But it’s not always because of how dangerous or aggressive they are, so don’t take offense just yet. Let’s look at the Husky breed and why some insurance carriers are not interested in covering homes for people who have them as pets.
Why is a Husky listed on the restricted breed or banned breed list?
A Husky is not considered to be above average in regards to aggressiveness. However, they do have a very high ‘prey drive’ and this instinctual drive is why the Husky gets placed on the list. They are good at breaking out of fences and if they go out on the neighborhood and see a smaller breed dog, they immediately see them as prey. If the Husky were to attack the smaller dog, there is a potential for a property claim. Furthermore, even if the Husky didn’t chase after smaller pets, because they have a higher propensity to escape the back yard, they are more likely to get into the street and cause an accident.
Are you looking for an insurance carrier that won’t exclude you for having a pet on this list? Well, I have options and would be happy to discuss your particular risk. Carrier options open up the more information I have like height of your fences, training, and history can go a long way to keeping your premiums in check. Give me, Chris Davidson, a call today to get started or text me at 812-489-0168.