If you have applied for a homeowner’s insurance policy in the last ten years, you may have been surprised when the insurance agent asked you if you have any pets. Specifically, they are looking to see if you have any dog breeds that the insurance company deems to be dangerous. In fact, many insurance companies limit coverage to dog owners, and may deny coverage all together to owners with certain breeds.
Why Insurers Hate Dangerous Dog Breeds
While many consider insurance companies refusing to insure individuals with certain breeds, the fact is that insurance companies have been on the hook for too many lawsuits resulting in damages from these certain breeds. When you get a homeowner’s insurance policy, you also get a personal liability policy that covers the homeowner for a certain amount. If the homeowner’s dog were to bite someone and cause damage, the victim could sue and the homeowner and their insurance policy would be liable for the damages. As a result, insurance companies are carefully looking at which breeds pose the most risk, and limiting the insurance provided to homeowners with those breeds.
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