Dog breed questions are a common question on most renter’s and property insurance applications. Breeds and bites can ruin your chance at the best insurance coverage that someone can get.

Most of the time you will be asked, “Do you have any dogs? What breed (s)?” and “Does your dog have a bite history.”

The list of dog breeds that the insurance company will not accept are considered guard dogs. These are the dogs that will physically protect their family and property.

Dog breeds that most insurance will not cover are:
Rottweiler
German Shepherd
Pit Bulls
Doberman Pinscher
Chows
Husky
Alaskan Malamutes
Akita
Any Wolf Hybrids

In Case of Dog Bites

In the case of a dog bite, the insurance company will usually pay the claim. They will pay for the medical costs, and the person that was bitten will get compensation if there is any disfigurement and perhaps compensation for emotional distress.

It does not matter why the dog bites someone or where the dog is when the dog bites someone; most dog bite victims are children.

The homeowner will then get cancelled and it will be very difficult to get new homeowners or renter’s insurance if you have a dog bite claim history. At the very least, the company will ask you to sign a dog bite exclusion.

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