Update on homeowner's insurance coverage for dog owners

I have written previously in my blog about the fact that some insurance companies will not write homeowner's coverage for for you if you own a dog of a certain breed or will exclude dog bites done by that breed of dog from coverage.  The reason that some insurance companies will exclude dog breeds from homeowner's coverage is that these breeds tend to have a higher incidence of biting and a higher average payout per settlement.  Not surprisingly, pit bulls, rottweilers, and other large dogs are on this list.

I saw a recent update on this practice in the news the other day, and thought it appropriate to remind readers of this blog that this occurs.  For dog owners, understanding whether your dog is covered or not is crucial because your homeowner's insurance is what will cover you in the event that there is a dog bite attack by your dog.

If you have any uncertainty as to whether you and your dog are covered, you should discuss the matter with your agent.