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Home Insurance Policies Often Prohibit Certain Dog Breeds

Did you know that many home insurance policies often prohibit you from having certain kinds of dogs as pets? That’s because they can potentially cause problems. Some 4.5 million people are bitten by dogs annually, and about 20% of dog bites require medical attention, according to the Centers for Disease control and Prevention. All that costs homeowner insurers a lot — in 2017, they reported $686 million in liability claims related to dog bites and other dog-related injuries, according to the Insurance Information Institute and State Farm. Dog breeds commonly excluded from standard policies include Akitas, Mastiffs, Pit Bulls, Alaskan Malamutes, and Rottweilers. If you are shopping for homeowners insurance and have one of these breeds of dog, no matter how loving and sweet they may be, you may have trouble finding a carrier to insure you. Give us a call and we might be able to help.