Do Certain Dogs Increase Homeowners Insurance?

By February 24, 2013Homeowners Insurance
Large tan dog with a ball in his mouth running across grass

Most families here in Wichita own a dog, and probably not just one. So it’s natural to ask, do dogs increase homeowners insurance?

The simple answer is yes, dogs can increase homeowners insurance. But it depends a lot on the breed. Few dogs are “bad” but under certain circumstances, they can still bite, and if a big enough dog bites down with enough force, it will likely cause some real damage and may even require expensive reconstructive surgeries.

Many insurance companies will want to play it safe when it comes to dogs, especially those breeds that are typically bred for aggression or have a history of behavioral problems, such as Pit Bulls, Rottweilers, Doberman Pinschers, German Shepherds, Siberian Huskies, Akitas, and wolf-dog hybrids.

It’s also highly recommended that you make sure to include your pets – no matter what they are – to your plan. In extreme cases, if something were to happen, and you failed to include your dog, or any other pets, the insurance providers may declare that you falsified information and make your policy null and void.

So yes, your plan may go up depending on your dog or any other pets, but it’s far better than having to shell out for medical costs or attorney’s fees.

Want to know specifically if your dogs will increase homeowners insurance?

Just ask us! Hensley Insurance is your friendly west side insurance agency. We do the shopping for you and customize your policy to fit your needs. We work with over a dozen top-rated companies, and with our 20 years of experience, we can quickly design a package to meet your needs for your home, your pets, and your budget.

As an independent insurance agency, we’re not beholden to anyone but our clients, and we have the experience and flexibility to ask the right questions, maximize your discounts, and shop FOR you.

Give us a call at 316-721-1800!

The Hensley Office is just 100 feet south of the intersection of 29th St N. and N. Ridge Road. Look for the cute little house on the East side of the road. Stop by and see us!