Taking a Bite Out of Homeowners’ Insurance

Taking a Bite out of homeowners' insurance

Doggy Damage Costs More Than You Think

Did you know that depending on the breed of dog you own, a dog bite may not be covered under your homeowners’ insurance? Beware: without coverage, or if the damage exceeds your coverage, you could potentially have to fork out a large chunk of change for any harm done. Compared to the good ‘ole days when doctors would just stitch up a wound and call it a day, the plastic surgeons of today tend to charge a pretty penny for the work they do so costs can add up quickly. It might be hard to think about your trusted pet being labeled as dangerous, but an act of aggression could result in you being forced to put the animal down. Of course, this would not only be your financial responsibility, but it would also cause much emotional distress.

One Expensive Bite

According to the Insurance Information Institute, dog bite incidences have spiked over the past year. Dog bites have resulted in $475 million of liability claims. It should come as no surprise then that various breeds are excluded from homeowners’ insurance coverage. So remember to check ‘approved’ breeds prior to purchasing or adopting a canine friend, to avoid possible heartache later. Opting for additional coverage might also be a wise move.

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Typically, restricted breeds include Akita, Alaskan Malamute, Chow Chow, Doberman Pinscher, German Shepherd, Pit Bull Terrier, Presa Canario, Rottweiler, and Siberian Husky. Read more on Restricted Breeds.

Do you own one of these furry friends? Have you ever had to make a dog-bite claim? Do you think homeowners’ insurance premiums are likely to increase because of this issue? Share your experiences by posting a comment!


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TheBestIRS Blog is focused on providing helpful content to all job seekers, specifically those looking to further their career in the claims and insurance industry, as well as employers who are seeking to add to their teams in temporary, temporary-to-hire and direct hire roles.

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