Can Your Dog Affect Your Ability to Obtain Home Insurance?

Posted by Tom Crimmins Realty on Wednesday, March 23rd, 2022 at 6:14pm.

Did you know that there are certain breeds of dogs that homeowners’ insurance companies won’t cover?

Pit-Bull Dog

It’s true! Although we’re big dog lovers here at Tom Crimmins Realty, some homeowners’ insurance companies frown upon larger breeds of dogs that they deem to be more ‘destructive.’ Homeowners’ insurance covers your expenses for damage to the property, or in the event that someone else is injured on the property. The personal liability coverage of homeowners’ insurance covers injuries and damage caused by dogs. Unfortunately, some insurance companies refuse to cover larger breeds that they deem to be more regularly high risk. Many large dog breeds come with expensive liability claims, on average of around $44,760! The most commonly excluded breeds include Doberman Pinschers, Pit bulls, and Rottweilers. Other commonly excluded breeds include Chow Chows, wolf dogs/wolf hybrids, canary dogs, Akitas, and sometimes even German Shepherds or American Bulldogs.

Cute Dogs

If you’re looking to buy a home on Staten Island then you might be in luck! Bulldogs, retrievers, and German shepherds are among the most popular in New York City. Many insurance companies decide whether to cover a household on a case-by-case basis, based on the dog’s history. Not to mention that there are many dog-friendly insurance companies as well. Many animals’ rights groups such as the American Kennel Club have been very outspoken about this, citing large dog breeds being “deliberately mislabeled.”

We can not speak for the many other real estate brokerages on Staten Island, but as previously mentioned, at Tom Crimmins Realty we love dogs of all breeds– big or small…and we feel that they should be able to find a home no matter how some insurance companies mislabel them. Need an idea of where you can rescue/adopt a dog in the Staten Island/New Jersey area click HERE!

Happy Home with Dog

Looking to buy or sell your home on Staten Island? For all your real estate needs, look no further than Tom Crimmins Realty! Give us a call at (718) 370-3200, and we can provide you with professionally-trained agents who are flexible to all that you’re looking for!

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