Home | About | Contact
Divider Auto Loans Divider Mortgage Loans Divider Debt Consolidation Divider Credit Cards Divider Credit Repair Divider Car Insurance Divider Health Insurance Divider Life Insurance

Your Dog Could Increase Insurance Premiums

Your Dog Could Increase Insurance Premiums

If you’re a dog owner and have a home insurance policy, chances are you’ve heard the debate about higher premiums for certain dog breeds. Home insurance providers have been identifying “risky” breeds for years, usually described as those that tend to bite or have more incidents than other breeds. Owners of these breeds tend to have slightly higher premiums on their policy to cover the risk. However, dog owners are quick to point out that you can’t judge individual dogs off of some statistics about their breed. Many owners actually believe they should receive a discount for their pets, as many dogs can act as alarm systems and protect the home from intruders. Although some states have considered banning insurance company “breed discrimination,” it appears policies will still be affected by pets in the foreseeable future. Here’s a look at some of the most popular dogs that could affect your premiums.

Insurer’s Bad Breeds

  • Doberman Pinscher – Doberman Pinschers are known for their tremendous strength and energetic personality. They are excellent guard dogs and their high intelligence makes them easy to teach. Although they are quick learners, breeders recommend that owners take the time to properly train the animals or consider a different pet.
  • German Shepherd – One of the most popular breeds in the United States, German Shepherds are obedient, fearless, and eager to learn. They are often used as working dogs, especially with police and fire departments. Like most other breeds, German Shepherds are not aggressive dogs unless improperly bred.
  • Pit Bull – Typically referred to as the American Pit Bull, these animals are extremely strong, but are unfairly characterized as fighters by many people. Pit Bulls are intensely loyal and willing to do anything to please their owners. They are not inherently aggressive toward humans, but can be if not properly trained. Some pit bull owners may actually be required to buy a specific home insurance policy..
  • Rottweiler – This large and powerful dog is well loved by owners, but often feared by people. Though they are friendly for the most part, their strong guarding instinct can sometimes get them into trouble. Rottweiler’s love to exercise and be outside, traits their owner should have as well.
  • Siberian Husky – As their name suggests, Siberian Huskies are native to Siberia and made their first North American appearance in Alaska around 1909. While these dogs are outgoing and love to have fun, they retain their ancestor’s nature to roam. That doesn’t necessarily make them dangerous, but they require an owner that can control them. As with other breeds, it’s best to have a fenced yard.
Select Insurance Type:
Enter Zip Code:

You may also be interested in