Some dog breeds have it rough. Many insurance companies, property management companies, and landlords deem certain breeds dangerous, lumping every one of these dogs into the same category instead of considering them on a case-by-case basis. This can leave dog owners without coverage if an incident occurs and can prevent renters from living in their desired home.
Fortunately, not all insurers discriminate. Some companies offer liability insurance for dogs regardless of breed. So if you own a German Shepherd, Akita, Great Dane, Rottweiler, Chow, Siberian Husky, Pit Bull, Doberman Pinscher, Alaskan Malamute, Presa Canarios or wolf-hybrid, take heart: there is a policy out there for you.
Do Not Assume You Are Covered
Have you retained the same insurance policy for years because you are pretty satisfied with the carrier and it has worked for so far? That is great, but you may want to consider this point: it may not cover your “dangerous” breed dog. Have you reviewed it closely? Also, have you gotten a different dog breed since you first signed up with the company? It is important to take these factors into account.
In addition to covering medical expenses that can result if your dog inflicts injuries on a person or another animal and any associated attorney’s fees, carriers of liability insurance for dogs can add landlords and property managers to your policy – thereby making you a more appealing potential tenant. You do not have to feel restricted by your “dangerous” breed dog anymore.