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Did You Know Your Dog’s Breed Effect’s Eligibility In Insurance?
Are you having trouble getting insurance coverage because you own a dog? Some insurance companies may restrict specific dog breeds or charge higher premiums for dog owners due to the perceived risk of liability for dog bites or other incidents. However, many options are still available for dog owners to obtain insurance coverage. It’s essential to shop around and compare policies from different insurers to find one that best fits your needs and budget. Additionally, you may consider taking steps to minimize the risk of incidents involving your dog, such as training and socializing your pet and ensuring that your property is adequately secured to prevent escape.
As of January 1st, a new law in Illinois will end the judgment of certain dog breeds for eligibility in insurance. If you want to know which dog breeds may be ineligible with certain carriers, let me know, and I’ll be happy to help you. -
2 Replies
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I heard about insurance companies banning your entire insurance policy if you had so called dangerous dogs. Pit Bulls, Rottweilers, German Shepherds are the three so called dangerous dogs. My sister in law has three pit bulls a little teacup Boston Terrier, and a small long hair chihuawa and the pit bulls are extremely gentle. I have a recure female pit bull who is scared shitless of my little yorkie terrier and chichuawa. I had several rottweilers in my life and they are the most gentle dogs you can have. I have a German Shepherd who looks mean on the outside but is the biggest tit and scared of my little dogs. It is the owner that makes a dog a dangerous vicious dog. Not the dog itself. There are certain breeds that can never be trained to be vicious such as labrador retrievers and golden retrievers, but in general, there is no such thing as a dangerous dog.
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Gus, this is correct; as of right now, there are underwriting rules on specific dog breeds across the nation. I own a Husky and Golden Retriever mix; somehow, Huskies are on that list. Now, this is only with certain carriers. I also believe that the dog’s aggression mainly concerns how it is trained and who the owner is, but it still stinks that insurance companies are looking out for specific breeds. I do not think it should be this way, but it is still an eligibility/ liability risk in their eyes.
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