Hi Clients and Prospects,

If you’re a dog owner, you probably think of your pup as part of the family. But

did you know that your dog’s breed could affect your ability to get homeowners or renters insurance?

Some insurance companies maintain lists of “restricted” dog breeds—those they believe pose a higher risk for biting or aggression. If your furry friend falls into one of these categories, you could face higher premiums, coverage exclusions, or even denial of coverage altogether.

Commonly restricted breeds may include:

• Pit Bulls
• Rottweilers
• Doberman Pinschers
• German Shepherds
• Akitas
• Wolf hybrids
• Chow Chows
• Alaskan Malamutes
• Presa Canarios
• Cane Corsos

It’s not always about the dog’s behavior—it’s about perceived risk. Even if your dog is well-trained and gentle, insurers may still flag the breed.

If you’ve had a dog bite claim in the past, getting insurance—or switching providers—can become even more difficult. A single claim may put you on a company’s internal watchlist or lead to non-renewal at the end of your policy term.

What You Can Do:

• Check with your insurance company about their dog breed policy.
• Be transparent about your pet when applying for a policy.
• Consider training and behavior certifications to show your dog’s temperament.
• Shop around—some insurers are more flexible than others.

We’re here to help you navigate this tricky part of dog ownership. If you’re unsure how your pup affects your policy—or you’ve had a claim and are struggling to get covered—we can help you find the right solution.

Have questions? Just hit reply or give us a call.

Page Insurance, Ltd

Your Insurance Partner

(203) 453-5258

service@pageins.com

www.pageins.com

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