How Dogs Can Affect Your Home Owners Insurance

    How dogs affect home owner insurance coverage

    When you’re buying a New Orleans home, part of the freedom that comes with owning your own place is the ability to make choices. Paint colors. Window treatments. Flooring. Decor. Landscaping. You have the final say so whether you love purple walls or concrete floors.

    But did you know that your choice of pet can result in higher insurance premiums?

    We talked to one of our local insurance agents recently and asked what breeds are most troublesome from an insurance risk perspective.

    Here’s what he had to say

    Many companies will not insure a property where there is an animal that is on their ineligible list. Other companies will just exclude the animal liability if it is on the list of ineligible breeds.  It isn’t more expensive necessarily to insure the property when there is a prohibited animal but there may be fewer companies that will consider the risk.

    LA Citizens (the state’s government backed insurer) lists the following breeds as ineligible for insurance coverage:

    • Akita
    • Alaskan Malamute
    • American Bulldog
    • Cane Corso
    • Chow
    • Coyote
    • Doberman Pinscher
    • German Shepherd
    • Great Dane
    • Guard or Attack dogs, including police or military dogs
    • Husky (Siberian Husky, Husky type)
    • Pit Bull (American Pit Bull Terrier, Pit BullTerrier)
    • Presa Canario
    • Rottweiler
    • Staffordshire Terrier (American Staffordshire Terrier)
    • Wild dogs, Wolf or Wolf hybrids

    Any mixed breeds made up of one or more of the breeds listed above are also considered a prohibited breed of dog.

    Farm, saddle animal, exotic, wild or zoo animals include but are not limited to hoofed animals, livestock, reptiles, primates, exotic cats and fowl.

     

    What does it mean when an animal is ineligible for coverage?

    If there are any claims related to the animal, such as a biting incident, your insurance will not cover you. You are personally assuming the monetary risk and liability of owning an ineligible breed. While this may not seem like a big deal, it could be if someone sues you and wins a judgement that includes a lien on your property.

    We love our pups. We probably love your pups too.

    Just be aware when shopping for home owner insurance that your pup could cost you more than just their vet bills.

     

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    Our agents write often to give you the latest insights on owning a home or property in the Greater New Orleans area.