Dogs take bite out of homeowners insurance

Insurance tips for dog owners
6 of 7

What can dog owners do when they've been turned down for homeowners insurance or renters' coverage?

  • Shop around: Insurance policies regarding dogs vary widely, by company, city and state. A call to your state insurance commissioner can help narrow your search.
  • Contact animal-friendly organizations: The Humane Society, American Kennel Club and national breed clubs can help steer you to dog-friendly insurers. Cunningham, once turned down in Texas for having two "dangerous" breeds, spent $10 to join the Farm Bureau and obtained homeowners insurance through the group.
  • Train, restrain your dog: Some insurers will cover your dog if you take it to obedience school or agree to restrain it with a muzzle, chain or cage, according to the Insurance Information Institute.
  • Read the fine print: Insurance companies may try to exclude dog bites or limit bite claims or claim amounts. Read your contract carefully.
  • Consider an umbrella policy: If your insurer insists on excluding your dog, a separate umbrella policy can provide the liability protection lacking in your homeowners insurance.
  • Dog liability insurance: If your dog has a checkered past, you may be able to obtain coverage through specialized dog liability insurance.




Show Bankrate's community sharing policy
          Connect with us

Learn the latest trends that will help grow your portfolio, plus tips on investing strategies. Delivered weekly.

Partner Center

Connect with us