Dog Breed Restrictions in Home Owner’s Insurance

Dog Bite Attorney
Dog Breed Restrictions

When you file a lawsuit for claiming money for a dog bite injury case, you might be most probably dealing with the home owner’s insurance provider. Usually, a home owner’s insurance can cover the damages caused by their pets.

Dogs can be one of the most dangerous pets, as they can cause severe damage to other people if they become violent. But if you have an insurance policy for covering the damages caused by your pets, then it can come to your rescue when your dog damages another person’s home, fence, furniture etc. It will also cover the expenses in a dog bite injury case. Insurance policies are a great relief for dog owners, as they will not have to incur the expenses on their own if their dog attacks someone.

Sometimes, the injuries caused by a dog attack can be severe. Hence, it will require a huge amount for compensating the victim in such cases. But if the home owner’s insurance policy covers these expenses they do not have to worry about compensating the victim personally.

However, insurance companies do not provide coverage for all dog breeds. Some dog breeds can be really dangerous and always show aggressive behavior. Therefore, most insurance companies will exclude such breeds from their insurance policies. If a dog owner has any of these restricted breeds, then he/she will have to incur the expenses personally if that dog causes any damages.

Restricted Dog Breeds

There are certain dog breeds that can be really aggressive and ferocious. They can cause some serious injuries if they become violent. Hence, most insurance companies exclude these breeds from their coverage to avoid paying for the serious injuries caused by them.

The dog breeds that are commonly excluded from the coverage plans of insurance policies are:

  • Pit Bulls
  • German Shepherds
  • Chow Chows
  • Rottweilers
  • Staffordshire Terriers
  • Great Danes
  • Alaskan Malamutes
  • Siberian Huskies
  • Akitas
  • Presa Canarios
  • Mastiffs
  • Cane Corsos
  • Doberman Pinschers
  • Wolf Hybrids

There are also some other breeds that are restricted by insurance companies. These restrictions can vary according to different insurance providers.

If you become a victim of an accident involving any of these dog breeds, it is better to consult a dog bite attorney as soon as possible. He can help you to take necessary measures to file a lawsuit for getting compensation from the dog owners. A dog bite lawyer can prove the liability of the dog owner if a dog attack occurs. Hence, the owner will be responsible to compensate you even if their insurance company does not cover for the damages caused by their dog.

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