Answer ( 1 )


    Geico Homeowners Insurance Dog Breed Restrictions

    In the last few decades, insurance companies have become more and more creative in finding ways to deny people coverage. One of their favorite tactics is to prevent customers from getting insurance for certain dog breeds. If you own a pit bull or other “dangerous” dog breed, your homeowners insurance company may not want to cover your home if it gets damaged by such a dog.

    Welcome to our list of dog-friendly insurance companies! We’ve done our best to make sure that all reputable companies allow certain breeds of dogs with no restrictions at all. This way, you can get great coverage without worrying about whether or not you qualify based on the type of pet living in your home

    Why are some dog breeds considered a higher risk than others?

    Some dog breeds are more likely to bite, which can lead to a higher risk of injury or death. These dogs may also be more aggressive and prone to health issues. Additionally, certain breeds are known for causing property damage like chewing up furniture or ripping holes in curtains.

    Do the insurance companies even know anything about dog breeds?

    You may be wondering how insurance companies can tell the difference between a pit bull, a Rottweiler and a German Shepherd. The answer is that they don’t.

    They also don’t know anything about dogs in general; they don’t know about dogs in your home (and whether or not yours would pose a danger); and they don’t even know your dog personally! If you have an aggressive breed, then it’s unlikely that Geico will deny coverage outright–but their rates might be higher than they’d otherwise be if you had another breed of dog.

    Is it really worth it to get a homeowners policy if you have a certain type of dog?

    If you have a dog that is considered high risk, you may have to pay a higher premium and/or deductible. You may not be able to get coverage at all.

    For example, if your dog is a Chow Chow or Rottweiler (two breeds with restrictions), Geico will ask for confirmation from an animal control officer or veterinarian confirming that your pet is up-to-date on its shots and has never bitten anyone in the past 5 years.

    You should probably avoid getting a Geico homeowners policy if you own one of these dogs.

    If you own one of these breeds, it’s best to get a separate policy.

    • American Pit Bull Terrier (APBT)
    • American Staffordshire Terrier (AmStaff)
    • Bullmastiff
    • Doberman Pinscher
    • Rottweiler

    So, what do you think? Are you going to avoid getting a Geico homeowners policy if you own one of these dogs? Do you think there is any reason why this should be the case? If so, let us know in the comments below!

Leave an answer

Anonymous answers