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If you own a dog that belongs to a breed considered mean or dangerous, you may face higher homeowners’ insurance premiums in Rio Rancho, NM. Some carriers may even refuse to issue a policy to owners of restricted or dangerous breeds. However, you can still protect yourself from excessive liability and court costs if you have a so-called dangerous dog. The professionals at Franklin Insurance Agency can provide advice on how to navigate this situation.
Dog Breeds That Insurance Companies Deem Dangerous
Insurance companies rely on statistics about documented bites and attacks that cause severe injuries, leading to higher claims. These breeds are often larger or have powerful jaws and other anatomical features that can inflict serious harm. The following dog breeds are frequently excluded from homeowners’ policies:
- Pit Bull
- German Shepherd
- Great Dane
- Siberian Husky
- Staffordshire Terrier
- Rottweiler
- Doberman Pinscher
- Chow Chow
- Wolf Hybrid
- Bull Terrier
Although individual temperament and training play a significant role, most insurance companies do not take these factors into account. As a result, you may need to explore additional measures to protect yourself.
Liability Options for Pet Owners
Many insurance carriers will charge a higher premium if you own a dangerous dog breed. You can also opt for a rider on your insurance policy to cover the cost of any damage or medical expenses caused by your pet. However, injuries caused by dangerous dogs can lead to extensive medical bills or lawsuits. While increasing your homeowners’ liability insurance limits is one option, a better solution may involve purchasing an umbrella insurance policy to cover high medical bills and legal expenses.
Learn more about how you can protect yourself from medical payments and lawsuits by contacting Franklin Insurance Agency, serving Rio Rancho, NM, for a consultation.