Many people are unaware of the fact that certain breeds of dogs are not covered by their homeowners/renters insurance policy. That means, if you own a breed that is NOT covered by your insurance and your dog(s) bite or attack a person or another animal YOU can be held liable for any expenses that are incurred including, but not limited to, hospital bills, psychiatric bills, and veterinary bills. Ignorance will not be considered blissful with this issue, it would be wise to check with your insurance and ask which breeds they cover. If you own a dog, cat, or any pet that can bite, scratch, or in any other way cause serious injuries and you DO NOT have homeowners/renters insurance....well, you are just playing with fire my friend. Make no mistake ALL dogs, even the best trained ones, are CAPABLE of biting!
The following is a list of breeds commonly NOT covered by most insurances. Even if your dog is a mixed breed, any of these breeds in the mix can be grounds for disqualification. To know for sure if your dog is covered or not, call your insurance agent.
- Akita
- Alaskan Malamute
- Chow Chow
- Doberman Pinscher
- German Shepherd
- Pit Bull
- Presa Canario
- Rottweiler
- Siberian Husky
- Staffordshire Bull Terrier
- Wolf Hybrids
STATE FARM INSURANCE - Covers ALL breeds. They will not, however cover a dog that has a history of biting.
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