Do you have coverage for that new puppy or rescue dog?

Do you have a dangerous dog your insurance policy wont cover?

If you’re a dog lover, you probably look at your dog as part of your family. Your insurance company, on the other hand, probably sees danger signs. This is especially true if the dog’s breed happens to be prohibited under homeowners insurance policies.

Known by insurance companies as “excluded dog breeds,” “aggressive dog list,” “dangerous dogs list” or simply “bad dog list,” this collection of prohibited dogs consists of breeds that are widely considered to be a financial risk to insurers.

According to the Insurance Information Institute, claims related to injuries from dogs account for one-third of all homeowner liability dollars insurance companies pay out every year. In 2016, that figure was $602 million from more than 18,000 claims—an average of $33,000 per claim. That’s a lot of money.

This makes insurance companies wary of dogs that traditionally display a propensity for aggression, so homeowners whose dogs fall into that category will pay higher premiums. In some cases, depending on the homeowner’s location and the insurance company, it may even be impossible to obtain coverage.

Bad Dogs? or Bad Risk’s? Blankit’s here for you

The specific dog breeds prohibited by insurers vary from company to company, but at least five appear on every list. Note that not only pure-bred dogs are banned, but any mixed breeds as well:

  • Pit Bull
  • Rottweiler
  • Doberman
  • Presa Canario
  • Chow Chow

We know you love your dogs just like we love our Blankit K9, but we have to write this article and talk about this topic so we can rest assured that our clients have as much importation to them as possible. If you have concerns whether your policy may not cover your dog, please contact us so we can review your policy and make sure that you and your family are protected. Don’t be afraid of the dog, be afraid of lack of coverage, myblankit is here for any questions.

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