North Carolina Personal & Business Insurance
Durfey-Hoover-Bowden Insurance Protecting Your Way of Life Since 1937

Dog Breeds and Insurance

DHB Insurance | June 2012

There are a ton of questions to consider when looking for a new dog. Should you get a puppy or an older dog? Do you have the time and space for a very active breed? What sort of health concerns does this breed have?

A question that almost never comes to mind is, "how will this affect my ability to get insurance?" The truth is that certain breeds can be difficult to insure and some companies will not cover you if you own them.

Breeds such as Rottweilers, Pitt Bulls, Chows, Akita, Presa Canario and Sharpei can cause issues. Dogs with a history of aggression will also cause an insurance company to think twice before offering you a quote. Even dogs mixed with these breeds can cause an insurance company to refuse to write your insurance.

The vast majority of dog breeds do not cause any issues with insurance. If you want to be sure a breed will not cause you issues or have your heart set on one of the hard to insure breeds, give us a call. We represent multiple insurance companies and each one looks at the situation differently. We will do our best to help.

Your past experience with dogs and the training the dog has received can also make a difference. There is a big difference between a first time dog owner keeping a rottweiler in the back yard and an experienced dog owner with a rottweiler that has Canine Good Citizen Certification.

The list of dog breeds that can cause issues changes over time. Breeds such as Doberman Pinschers and German Shepherds are now considered acceptable to most insurance companies.

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