For many families, pets are part of the household. But did you know your furry friend could impact your insurance policy? Some dog breeds are considered higher risk by insurers, which may affect your coverage and rates.

Dog Liability and Insurance

Homeowners insurance typically includes liability coverage if your dog injures someone. However, some insurers exclude certain breeds they view as more likely to bite.

Breeds Sometimes Restricted

• Pit Bulls

• Rottweilers

• German Shepherds

• Dobermans

• Wolf hybrids

What This Means for Homeowners

• Your insurer may exclude dog-related liability altogether

• Premiums could increase

• You may need a separate liability policy or seek out a pet-friendly insurer

How to Protect Yourself

• Be upfront with your insurer about your pets

• Consider additional liability coverage if your dog is excluded

• Train and socialize your pet to reduce risk

• Look into canine liability insurance if available in your state

The Bottom Line

Your dog is family—but from an insurance perspective, they’re also a liability risk. Understanding how your breed impacts coverage ensures you’re not caught by surprise after an incident.