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Does your current insurance policy cover your dog?

Well, this is certainly interesting. Dog lover that I am, I have not even read about this insurance option before. Golden Retrievers are not on the list but it is good to know this concept exists as something that can be mentioned in conversation with Buyers to discuss with their insurance agent.

Does Your Current Insurance Policy Cover Your Dog?

Wow..I learned something in our sales meeting this week from Ted Heaton with State Farm Insurance. Did you know your policy could be immediately cancelled or not renewed if your insurance company is not aware you own a “dangerous” dog?


What is a dangerous dog?


According to most insurance companies the following are the most common “Dangerous Breeds” or “Blacklisted Breeds”:


1. Pit bulls & Staffordshire Terriers

2.Doberman Pinchers

3. Rottweilers

4. Chows

5. Great Danes

6. Presa Canarios

7. Akitas

8. Alaskan Malamutes

9. German Shepherds

10. Siberian Huskies

11. Wolf-hybrids

Or a mix of any of the above

If you’ve been insured with the same insurance company for years, don’t assume your policy includes coverage for your dog(s). Insurance companies regularly modify what their policy will cover (and not cover). Your company may not know you have a “dangerous” dog.


Ted explained they can help you with a policy if your dog falls into the following categories:




Potentially dangerous

Potentially dangerous

A public nuisance


A policy can even cover when you are away from the house which might be a good thing if your dog(s) falls into any of these categories.

Rules on which dogs an insurance company will cover and which they won’t, will vary from company to company. Some companies will cover almost any dog. But as a general rule, insurance companies tend to resist covering the above 11 types of dogs or any mix of these breeds. It’s best to do your research on insurance before making a decision on acquiring a dog(s). Better to be safe than sorry!

All insurance companies encourage responsible behavior and caution around dogs. Might be time to check your current insurance policy to see if your dog(s) is covered!

If you are reading this post and have a home to sell in NW Austin I would be happy to help you. I have systems in place, references and am a good listener and communicator.  I would be honored to schedule time to see if we are a good match. Let me put my expertise to work for you. Call me at 512-346-1799.

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Comment balloon 2 commentsCheryl Ritchie • July 14 2013 03:01AM


Good morning Cheryl,

I learned about this in one of our sales meeting through a State Farm Agent..I was unaware of this so glad to learn about it and have this knowledge in my memory bank for clients! Thanks for the re-blog!!

Posted by Dorie Dillard CRS GRI ABR, Serving Buyers & Sellers in NW Austin Real Estate (Coldwell Banker Realty ~ 512.750.6899) over 7 years ago

Years ago...I had two black labs...the most friendly love bugs you could find anywhere...they were my pride and joy and my "family". I called my Insurance guy to see if they, purebreds, should be covered on my homeowners policy. you know, just in case. He informed me that statically there are so many Labradors out there that they have more dog bite statistics as a breed. He wanted to increase policy liability and charge me more money. I did not. Those pups were a safe bet in my estimation.

Posted by George Kando, New England Realty Group, Southern Maine's Real Estate Team of Choice ( New England Realty Group) over 7 years ago