If you own a dog, you rightly think of it as part of the family. Whilst this is true, there are certain considerations you have to take into account when it comes to things like home insurance.

Dog bites are more common than you may realize and, even though you may be fully confident that your dog never would, the question is, are you covered if it does?

Between 2003 and 2011, the cost of dog bite claims rose 53%. Incredibly, one third of insurance claims by homeowners is now centered on dog bites and astonishingly costs over $1 billion in damages. These sorts of figures illustrate why insurance companies are now far more selective when it comes to insuring those homeowners with dogs. It gets far more complicated when you factor in that certain breeds of dogs are more discriminated against than others.

Florida homeowners insurance against dogs for example starts off on a difficult footing from the get go when you take into account that it is illegal to keep or own a pit-bull, as specified by the Miami-Dade County ordinance. This is because pit-bulls fall into one of those category of dogs previously mentioned as being more discriminated against.

There is a whole subsection of dogs that are considered dangerous by insurance companies and if you own one of these, you can expect difficulties and premiums on your insurance. Dogs other than pit-bulls that fit into the dangerous categories are dogs such as German Shepherds, Stafford-shire Terriers and Rottweiler’s.

Taking all of this into account then, here are three things you really need to consider when it comes to insurance for your dog.

  1. 1.    Are You Even Covered By Your Insurance?

This may seem like a silly thing to ask, but bearing in mind that there are different criteria from state to state, plus the fact that insurance policies are rapidly changing because of the numbers mentioned earlier, it is an important piece of information to find out. This is true even if your dog isn’t one of the breeds considered dangerous.


If your dog is on the dangerous list though, then the likelihood is that you’re going to have to get separate insurance for your dog. The Einhorn insurance agency for example offers Florida homeowners insurance against dogs and doesn’t discriminate based on breed. You can get a free quote for them online from FloridaInsuranceQuotes.net.


  1. 2.    Don’t Lie To Your Insurance Company

As mentioned, a dog is part of the family. Even still, if you know that the breed of your dog is going to be a problem in terms of insurance, honesty is the best policy when it comes to answering questions from your insurance company about what breed of dog you have.


Yes, in some places it may be difficult to find an agency that will offer insurance, especially if you happen to be one of those people looking for Florida homeowners insurance against dogs but simply put, if you lie and your dog goes onto bite someone, the injury will not be covered. Is it worth it?


  1. 3.    If You Find That You’re Not Covered

This may not be ideal, but there are still options, one of which is called Umbrella Insurance Coverage. This is something that will cover the gap in your homeowners insurance if it doesn’t happen to cover your dog and so is worth investigating further.