Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Sep 7, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.

Insurance Q&A: “Does homeowner’s insurance cover my dog?”

Dogs are an integral part of our families which is why companies like Progressive and Subaru have released commercials targeting dog owners. Progressive brought to light auto coverage that could also cover your dog’s injuries (that most auto insurers offer). But what about your homeowners policy?

Simply put, homeowner’s insurance policies will not cover injury or sickness for a family pet. You would have to obtain pet insurance if you want to cover Fido’s own health. Even if your dog is injured due to a covered claim (such as flood, fire, etc.), your homeowners policy would not cover the vet bills.

As far as liability coverage for bodily injury or property damage your household pet causes to others, you may or may not be covered.

How does breed affect your homeowners insurance company?

If you’ve ever filled out an application for a homeowners insurance quote, you know they ask if you have dogs and what breed of dogs you have. Most insurance companies use the same list of restricted dog breeds based on perception of aggressive behavior. These stereotypes may or may not be true of your dog if you have a pit bull, Rottweiler, cane corso, or others on the restricted breed list. But insurance companies do not see a distinction.

Of course, this will depend on the specifics of your policy, the company who insures you, and depending on where you live, the type of dog you own.

Your insurer or independent agent should ask if you own a dog when providing a homeowner’s insurance quote as it can be a significant factor. Some companies simply ask if your dog has a history of aggressive behavior or bites.

It is in your best interest to be honest and upfront since any misrepresentations on your insurance application may result in a voided policy or denial of coverage in the event of a insurance claim.

Note that the majority of insurers will cover most dog breeds.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

What happens if your insurance providers don’t cover your dog breed?

Some insurers may deny an application if a specific dog breed is present in the home, depending on state laws or their own underwriting guidelines.

You can probably guess which breeds are most commonly excluded: Pit Bulls, German Shepherds and various other protective/guard dog breeds.

It may also exclude Akitas, Cane Corsos, Chows, Presa Canario, Rottweilers, Staffordshire Bull Terriers, Wolf Hybrids, Siberian huskies, and other breeds commonly named in an aggressive breed list.

Conversely, there’s a decent chance they won’t care if you own a Labradoodle or a Bichon Frise.

If you already have an insurance policy and are considering obtaining a dog that might fit the “vicious” breed category, it’s best to inform your insurer ahead of time. You don’t want to wait until you’re facing a bite claim to find out your policy has an exclusion written in for certain dog breeds. If you have reason to question it, you can also ask your insurance agent for help.

You will certainly want to make them aware, as the resulting insurance premium may be too high for your budget and cause you to rethink the purchase, or worst case, result in a claim being denied if something were to happen.