Home Insurance Based on Breeds?


Who would have thought that breeds of dogs will affect the rates of home insurance? Yes, you’ve read that right. Depending on the breed of your dog, you will either be denied from having home insurance or you’ll be offered one with a higher premium. There is in fact a debate going on between owners, organizations and home insurance companies about breed discrimination. Though society highly admires pet-lovers, insurance companies cannot just ignore the fact that temperament of dogs can vary significantly within a breed.

Here are some details regarding how dogs are evaluated for home insurance:

* Size of dog. Small dogs are less expected to create damage. Larger dogs, on the other hand, will always be assumed more violent therefore is capable of inflicting.

* History of inflicting bites. The bite is another key factor in determining the risk level. Breeds with a history of inflicting frequent bites to humans are certainly going to cost more to insure than those without.

* Reputation of the breed. Insurance companies gather reports involving dogs made by authorities such as the Centers For Disease Control and Prevention and use them to judge the risk level of the breed and how dangerous it is to its owner and surroundings.

The following breeds are accounted as the most high-risk: Akita, Alaskan Malamute, Chow Chow, Doberman, Pinscher, German Shepherd, Pit Bull, Presa Canario, Rottweiler, Siberian Husky, Staffordshire Bull Terrier, and Wolf hybrid dogs. Dog owners with any of the above breeds should expect higher homeowners insurance premium. As a matter of fact, dog owners can even consider themselves lucky to find a homeowners insurance provider willing to insure them and their dog.