Is that Dog Covered?

February 1, 2016


I am a dog person but that does not always keep your dog from protecting you from me when I come to take pictures or to meet with you. Some companies EXCLUDE coverage for certain breeds. Buyer beware!

According to the 2015-2016 National Pet Owners Survey conducted by the American Pet Products Association, sixty-five percent of U.S. households, or about 79.7 million families, own a pet. Of those that own a pet, 54.4 million households own a dog. According to the Insurance Information Institute, Dog bites (and other dog-related injuries) accounted for more than one-third of all homeowners insurance liability claim dollars paid out in 2015. Although dog-bite claims have decreased by roughly 5% in the last year, the average cost per claim has risen more than 15% which offsets the decrease in claims.

The best action to take would be to check with your agent before you buy certain breeds. Some of the commonly known dog breeds that are deemed “dangerous breeds” consists of, but is not limited to;


  • Akita
  • Chow
  • Pit Bulls
  • Press Canario
  • Rottweiler
  • Sharpei
  • Wolf Hybrids

Some insurance companies have lists of breeds for whom they do not cover, and every list is different depending on the company and location. Some of these breeds may be covered, but your home insurance company will simply charge more if they’re known to be dangerous. Illinois happens to be one of the top 5 states that the most dog bite claims occur in. The average cost per claim cost home insurers around $33,000, which has increased over the years.

We have over 15 companies and can write most breeds. Do not get stuck without coverage due to an exclusion in your policy. Call us for a quote today at (217) 345-7063.

Avoiding High Cost Home Insurance Claims

The best way to avoid incurring home insurance claims caused by your dog is prevention.

  1. Spay or neuter your dog. This important procedure will reduce your dog’s desire to fight with other dogs and roam around unfamiliar places. Spayed or neutered dogs are much less likely to bite as well.
  2. Keep your dog away from stressful situations. You can always work with professionals to get your dog use to certain situations. If your dog reacts to new people visiting your home, or around crowds of people, try to avoid having him in those environments.
  3. Socialize your dog. If for some reason you can’t avoid certain situations, just make sure your dog becomes accustomed to them. Take your dog in areas that may frighten or make him nervous-while on a leash of course- so that he/she can get use to normal social situations.

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