Tips On Obtaining Home Insurance Coverage For Dog Owners

As a proud new homeowner and the devoted guardian of a canine companion, it's imperative to secure comprehensive home insurance coverage. You're deeply attached to your pet, but insurance companies may view your furry friend through a lens of risk, labeling it an "aggressive breed." But don't let anxiety set in because there are reliable strategies to navigate this challenge, helping you obtain excellent coverage without any complications.

Understand Breed Restrictions

Insurance companies maintain specific lists of dog breeds deemed aggressive. These often include breeds such as Pit Bulls, German Shepherds, Rottweilers, Dobermans, and more. It's important not to assume your insurance company will reject your application simply because of your dog's breed. Proactively researching each company's specific breed restrictions can empower you to find the most dog-friendly insurers.

Get a Canine Good Citizen Certification

Impress insurers with your dog's obedience training! A Canine Good Citizen certification serves as documented evidence that your dog is well-behaved and poses less of a threat. Offered by the American Kennel Club, this program focuses on responsible pet ownership and teaching basic good manners to dogs. By earning this certification, your dog can step out of the "aggressive" stereotype and present as an asset rather than a liability.

Invest in Liability Coverage

Home insurance policies generally encompass dog bite liability within the personal liability coverage section. It's crucial to scrutinize your policy to ensure it offers sufficient coverage to protect you financially if your dog does happen to bite someone. 

Try Umbrella Insurance

If home insurance policies don't cover your dog, an umbrella policy can provide a safety net. Umbrella policies offer additional liability coverage that steps in when the limits of your primary home insurance policy are reached. This strategy can provide an extra layer of protection.

Consider a Separate Pet Liability Policy

Distinct pet liability insurance policies exist specifically to cover any potential damage or injuries your dog might cause. Some companies specialize in offering coverage for aggressive breed dogs. These targeted policies can serve as an excellent alternative if you're finding it tough to obtain traditional home insurance.

Show Your Dog's Individual Personality

Finally, it's important to remember your dog is much more than just its breed. Arm yourself with ample documentation showing your dog's good behavior and unique personality. Consider securing references from individuals who've interacted positively with your pet, such as a previous landlord, an obedience school trainer, or your trusted vet. These testimonials can vouch for your dog's good behavior, possibly persuading the insurance company to grant coverage. 

For more info about home insurance, contact a local company.