The cost varies by insurance provider and is based on the additional coverage amount you select. An umbrella policy is additional liability coverage that's available as an add-on rider to your homeowners or renters insurance. An umbrella policy can offer coverage if you have a restricted dog breedĪmerican Family notes that even if you have a restricted dog breed, you may be able to get coverage from an umbrella liability policy. If there is a lawsuit, you will be responsible for damages. This means even if your dog was provoked, you are considered liable. Some states have strict liability laws for dog bites. Some carriers will even drop customers if their pet bites or injures someone. This is especially true if you have had a dog bite or liability claim that resulted in a lawsuit.
Having a restricted dog breed may increase your homeowners insurance premiums. Dogs known to be aggressive, trained attack dogs, unneutered male dogs, and dogs with a history of biting are usually excluded, according to American Family Insurance.Įverquote surveyed insurance companies and found these are the top 10 breeds most likely to be excluded from insurance policies:Ī restricted dog breed may increase your premiums Some insurance companies exclude large dogs and certain breeds from liability coverage, like pit bulls. Top 10 dog breeds excluded from homeowners insurance
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