Why does owning a dog change my premium?

Insurance companies view your dog as a potential liability because it can bite and injure other people, who will then file a claim. You are legally liable for your dog’s behavior and any injury or damage it causes. Since your home insurance policy provides personal liability coverage, the insurance company may have to pay claims on your behalf when you are found to be liable for your dog’s actions.

The process of evaluating and determining how much premium to charge you is known as underwriting. During the underwriting process, the insurance company evaluates all of your risk factors, and owning a dog is considered a risk. Because owning a dog increases the chances or probability of the insurance company paying a liability claim, you will pay a higher premium to offset the risk. Insurance companies may even refuse to write your homeowners policy if you own a particularly high-risk dog breed, such as a Rottweiler or pit bull. These dogs have been known to bite people at a higher rate than other dogs and, as a result, are considered higher-risk.


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