Have you considered getting a dog for your family? Dogs are great companions, and they can bring a lot of joy to your home. However, there are some breeds of dog that your home insurance won’t cover, no matter how good of a dog they might be. So it’s best to become familiar with these breeds and know that you won’t be covered if something happens.
Dog Breeds a Home Insurance Company Might Ban
- Any of the wolf breeds
- Akitas
- Alaskan Malamutes
- Dobermans
- Chow chows
- German Shepherds
- Rottweilers
- Great Danes
- Huskies
- Presa Canarios
- Pit bulls
- Staffordshire
That being said, there are some states that ban discrimination based on breed. These are the states that ban insurers from denying a homeowner only based on the breed of their dog, as of 2024.
- Colorado
- Connecticut
- Illinois
- Michigan
- Minnesota
- Nevada
- New York
- Pennsylvania
If you aren’t sure whether or not your state is one of the ones that won’t discriminate, it’s best to talk to your home insurance company before getting a dog. The rules can change, so you want the updated information. The last thing you want is to have a problem and find out that you aren’t covered.
Take the time to research and find out what dog is best for you and your family before choosing a dog. You don’t want to make the wrong choice and find out you or a loved one has been injured and you aren’t covered.
