Bypass The Blacklist: Dog Liability Insurance

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Dog with sunglasses: Dog Liability InsuranceHaving trouble finding a place to live because your dog is blacklisted as a “bad breed?” Can’t secure homeowners or renters insurance that covers your pooch? Many of the top insurance companies won’t provide liability insurance for certain breeds of dogs deemed “dangerous.” But there are a number of lesser-known insurance companies that disagree with the concept of labeling dogs solely because of their breed. If you own or are thinking about getting a “bad breed” dog, this article is for you.

What Are The So-Called “Bad Breeds?”

First, it’s important to know if your dog falls on the blacklist. Each insurance company has its own list of “bad breeds.” The following list is a general rule of thumb, but experts say the first four breeds are the most commonly denied.

  • Pit Bulls (aka Staffordshire Terriers)
  • German Shepherds
  • Doberman Pinschers
  • Rottweilers
  • Akitas
  • Alaskan Malamutes
  • Chows
  • Great Danes
  • Presa Canarios
  • Siberian Huskies
  • Wolf-hybrids

What Exactly Is Insurance For Dangerous Dogs?

Like we said earlier, some insurance companies that are committed to dog equality have taken it upon themselves to right what they consider a wrong practice conducted by the insurance industry when it comes to banning breeds as a whole. They consider each dog as an individual, rather than judging a dog solely based on its breed.

Some of these insurance companies will even consider providing insurance for dogs with a not-so-perfect past, with the stance that it’s not necessarily the dog but the past owner or circumstances. In individual cases, you can get a policy if your dog has been found dangerous or potentially dangerous, vicious or potentially vicious, too aggressive or a general public nuisance.

What About “Dangerous Dog” Rescues?

When it comes to some rescue dogs, pit bulls in particular, there is genuine concern about their past involvement in dog fighting rings. The following video by The Humane Society shows one case where it’s not the dog; it’s the past “owner.” In cases like this, rehabilitation is often possible!

Why Take The Risk?

The Centers for Disease Control and Prevention reports that an estimated 4.5 million people are bitten by dogs each year and around 885,000 require medical attention for these injuries. It does happen. If you don’t have dog liability insurance and your pup bites someone, you have a lot to lose, maybe even your four-legged companion – learn what to do if your dog bites someone. The national average cost per homeowners insurance claim for dog bite-related injuries was a whopping $32,072 in 2014. As an owner of a “bad breed”, it’s likely in your best interest to secure dangerous pet insurance.

Are you considering dangerous dog liability insurance for your canine?

About The Author:

Sally holds a BA in English from James Madison University and began her 25-year writing career as a grad student at the UNC-Chapel Hill School of Journalism & Mass Communications. She’s been a pet parent since college years (and spent her whole childhood with pets). Her work has appeared in many notable media outlets, including The Washington Post, Entrepreneur, People, Forbes, Huffington Post, and more.

Now as a parent of two teenagers, she’s made sure to raise her daughters to learn how to love and care for pets (and other animals) in the most responsible and loving ways. As a result, she and her daughters now have 5 rescued dogs and cats who essentially rule their home! Sally has also volunteered over the years to help raise funds for various animal nonprofit organizations.

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John Smith
January 20, 2020 7:48 pm

The article doesn’t list these “lesser known insurance companies”. I’m betting if the large companies won’t insure animals like yours, it will be difficult to find affordable liability insurance. My advice: self insure and have $30K in liquid savings to pay out for the next your pet bites another animal, or worse, a person. I would say Google is your best friend for finding one of these “lesser known companies”. Your statement about the small dog being mistaken for a cat also concerns me. How many other cats has your dog injured and/or killed?

January 12, 2020 6:47 pm

Where does one go to get liability insurance for a dog that the city deems dangerous/vicious? Our poor guy, who loves people so dearly, got in trouble due to a chihuahua he must have mistaken for a cat – the dog died. He screwed up. Now our dog has to be muzzled, pay a large city tag fee, keep him on a chain that is only about 8 feet long or on a leash, and get liability insurance. He will never be able to go to a dog park, which he has loved to do to socialize and the vet even thought it a good idea, nor will he be allowed to get any exercise to run in his nice fenced-in backyard. All because I took him to a dog park for medium- to large-sized dogs and this happened.

February 19, 2020 8:30 pm
Reply to  Kal

I wd would like to k ow this myself.