Dog Breeds - Home Insurance Costs and Coverage

The video below does an excellent job outlining a problem that gets very little press or attention. While there are stories and websites featuring daily information on Breed Specific Legislation (BSL), very little discussion is taking place regarding insurers unwillingness to insure specific breeds. This is a separate and significant concern in addition to the BSL in Ohio Law.

The trend outlined in this story indicates that several insurance companies are now canceling policies for owners should they have a specific breed of dog. To my knowledge this is a new development, and one that should cause a great deal of concern to responsible dog owners. In the past SOME insurers might not honor claims involving certain dog breeds, but they were not canceling entire policies based on the type of a dog in a home.

Based on talks with my own insurer, more recent research, and info offered in this video, it's appears that insurers change their "list of dis-approved dogs" from time to time. So how can an owner assume their dog will be covered under a home-owner's policy for the life of their pet?

Pet owners need to be aware of the true responsibilities and cost involved with responsible pet ownership. There is an increasing grassroots push to end BSL and seek more effective and knowledgeable solutions. As consumers we shouldn't underestimate our power to VOTE with our wallets. Understanding any insurer's policies regarding breed exclusions is a first step in making an informed decisions as you shop for insurance.