Does Your Homeowners Insurance Exclude Certain Dog Breeds?

Many homeowners are surprised to learn that not all homeowners insurance policies provide liability coverage for every dog breed . If your dog injures another person, your policy may exclude coverage based solely on the breed of your pet.

Some insurance companies commonly exclude coverage for breeds such as:

• Akita
• Chow Chow
• Cane Corso
• Doberman Pinscher
• Pit Bull breeds
• Wolf Hybrids
• Mixed breeds that include any of the above

If your homeowners policy has one of these exclusions, you could be responsible for paying legal expenses, medical bills, and damages out of your own pocket if your dog is involved in an incident.

Great News for Homeowners and Rental Property Owners

We are excited to offer a new homeowners insurance carrier that does not have blanket animal breed exclusions . Coverage is available regardless of breed unless there is a prior history of aggressive behavior or previous animal-related claims.

This can be a significant advantage for:

• Homeowners who own one of the commonly excluded breeds
• Residential real estate investors and landlords
• Owners of rental properties whose tenants have dogs

If you own rental property, it's especially important to understand how your insurance policy responds to liability claims involving a tenant's dog. The right insurance coverage can make a tremendous difference in protecting your investment.

Don't Assume You're Covered

Every insurance company has different underwriting guidelines, and many policyholders don't discover they have a breed exclusion until they file a claim. Reviewing your policy before an accident occurs can help you avoid costly surprises.

If you own one of these breeds—or you're simply unsure whether your policy contains an animal liability exclusion—it's worth having your coverage reviewed.

Contact Linda Krisko Insurance & Financial

We'll help you determine whether your current homeowners or rental property insurance provides the protection you need and show you options that may better fit your situation.

Linda Krisko Insurance & Financial
📞 610-433-5000
📧 info@kriskoinsurance.com

Protect your home, your assets, and your peace of mind by making sure your insurance policy works for you—not against you.