Some States, Insurers Limit Dog Breed Discrimination For Homeowners Policies

 Wednesday, November 10, 2021

When it comes to homeowners insurance, a lot of policies leave certain ‘aggressive’ dog breeds out in the cold. Now, animal advocacy groups, that’s starting to change.

For years, most insurers have limited coverage or downright denied policies to homes in which there’s a dog they deem to be of a potentially dangerous breed.

The blacklisted breeds vary by company, but are mostly large dogs -- typically including pit bulls, German shepherds, Akitas, Chow Chows, Dobermans and Rottweilers.

The bans are an effort to stem claims for dog bites, which are covered under the liability section of standard policies and have been on the rise in recent years.

More than 4.5 million Americans a year are now bitten by dogs, according to the Centers for Disease Control and Prevention, and the Insurance Information Institute reports that more than $850 million was paid in 2020 to settle claims arising from bites.
LiabilityLegislation & Regulation