Orlando Harmon
Rottweilers are large dogs with a reputation for aggression and a higher risk of severe attacks. As a result, many insurance companies consider them a liability and exclude them from coverage. Some companies refuse to provide coverage to dog owners with Rottweilers, while others increase premiums or require additional liability insurance. However, some insurers, such as State Farm, Allstate, and USAA, do not consider breed and provide coverage regardless of the dog's breed. Dog-related incidents covered by homeowners insurance typically include dog bites, property damage, and dog-related lawsuits, but it's important to note that coverage may vary by insurer and policy.
| Characteristics | Values |
|---|---|
| Difficulty of getting homeowners insurance for Rottweilers | Yes |
| Reason | Rottweilers are considered an aggressive breed and are among the most banned breeds on homeowners insurance lists |
| Companies that offer homeowners insurance for Rottweilers | State Farm, USAA, Chubb, Allstate, Liberty Mutual, Progressive Homesite, Farmers |
| Companies that may offer homeowners insurance for Rottweilers | Traveler's |
| Companies that do not offer homeowners insurance for Rottweilers | HOI |
| Other options | Stand-alone dog liability insurance, umbrella policy |
| States where insurers cannot refuse coverage based on dog breed | Illinois, Nevada, New York |
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What You'll Learn
Home insurance companies that cover rottweilers
Rottweilers are considered by many to be a more aggressive dog breed. As a result, they are one of the most banned breeds on homeowners' insurance lists. Some insurance companies judge on a case-by-case basis, only refusing coverage to dogs with a proven history of aggression. However, it is legal for home insurance companies to deny or cancel your policy if you own a "dangerous" dog breed in many states. Therefore, it is important to look for a dog-friendly homeowners insurance policy.
Some dog-friendly insurance companies include Allstate, State Farm, and USAA. State Farm does not have breed restrictions as long as the dog has no bite history. Similarly, Allstate considers a dog's demeanor and bite history when determining coverage and rates. USAA's standard home insurance policies include coverage for dog bites, but it is only available to veterans, active military members, and their families.
Other dog-friendly home insurance companies include American Family and Liberty Mutual. American Family advises dog owners to consider additional liability coverage or umbrella insurance. Liberty Mutual has many discounts, including savings for customers who bundle home insurance with auto insurance and those who turn on automatic payments.
It is important to note that no homeowners insurance policy will pay out if your dog bites a member of your household or damages your property, regardless of whether your dog's breed is excluded. Additionally, some states have laws requiring rottweilers to be insured, and owners can face steep penalties and fines if they fail to do so.
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Liability coverage for dog bites
Rottweilers are considered a more aggressive dog breed and are one of the most banned breeds on homeowners' insurance lists. Many insurance companies deny or cancel policies based on dog ownership, especially if they are categorised as a dangerous breed or have a history of biting. Some companies require dog owners to sign liability waivers for dog bites, while others charge more for owners of breeds such as Rottweilers.
If your dog bites someone and you're liable, your homeowners insurance policy may offer protection. Personal liability coverage can pay for injuries for which you're responsible and potential lawsuit costs, up to the limits of your policy. Medical payments coverage may cover necessary medical expenses for injuries on your property. However, it's important to note that not all home insurers offer coverage for dog bites, and certain policies may limit coverage for dog bites that occur away from your property.
Some states have laws that prohibit insurers from denying coverage to owners of particular dog breeds. For example, Pennsylvania and Michigan have such laws in place. Additionally, some states require specific amounts of liability insurance if you own a dog that's considered more likely to bite.
If you're unable to obtain homeowners insurance due to dog breed restrictions, you may need to look into a dog-friendly home insurance company that offers coverage for bodily injury and property damage. These companies include Allstate, State Farm, and USAA. Alternatively, you can obtain another form of dog liability coverage, such as an umbrella policy or a stand-alone dog liability insurance solution.
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Dog-friendly home insurance
Navigating homeowners insurance with a dog can be complex, especially if you own a breed that is often subject to restrictions, such as a Rottweiler. Rottweilers are considered one of the most aggressive dog breeds and are the most banned breed on homeowners insurance lists.
Some insurance companies refuse coverage to dogs with a history of aggression or biting, while others might refuse to extend coverage altogether. However, you are not completely out of luck if you own a Rottweiler. Dog-friendly insurance companies, such as Allstate, State Farm, and USAA, offer coverage to high-risk dog breeds and dogs with a history of biting. State Farm, in particular, considers each dog an individual and does not ask what breed of dog you own when writing your home insurance policy.
If you are running into homeowners insurance issues, you may want to obtain another form of dog liability coverage, such as an umbrella policy or a stand-alone dog liability insurance solution. You can compare quotes from at least three home insurance companies through an insurance marketplace like Policygenius to ensure you find the best coverage for the lowest price.
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Restricted dog breeds
Owning certain dog breeds can make it difficult to obtain homeowners insurance. Some insurance companies label certain dog breeds as "dangerous" due to a perceived higher risk of bites or attacks. If you own one of these restricted breeds, your homeowners insurance carrier may drop you or encourage you to get rid of your dog to keep your coverage.
The most commonly restricted dog breeds include:
- Rottweilers
- Pit bulls
- Doberman Pinschers
- German Shepherds
- Chow Chows
- Wolf breeds
- Alaskan Malamutes
- Akitas
- Great Danes
- Presa Canarios
- Siberian Huskies
- Staffordshire Terriers
However, it's important to note that not all dogs of these breeds display aggressive behaviour, and proper training and socialisation can play important roles in developing a dog's behaviour. Additionally, some insurance companies don't enforce dog breed restrictions, allowing homeowners with high-risk breeds to secure coverage.
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How to get homeowners insurance with a rottweiler
Rottweilers are considered a more aggressive dog breed and are among the most banned breeds on homeowners insurance lists. Many insurance companies refuse to provide coverage if you own a Rottweiler, while others may charge you more for having a restricted breed of dog. However, there are still options for obtaining homeowners insurance if you own a Rottweiler. Here are some steps you can take:
- Compare quotes from multiple insurance companies: Shop around and compare rates and coverage options from different insurance providers. Some companies, such as State Farm, USAA, Chubb, and Allstate, are known to be more accommodating when it comes to insuring restricted breeds. You can also consider companies like Farmers Insurance, which does not have a breed ban.
- Be transparent about your dog's training and behaviour: If your Rottweiler has behavioural certifications or a Canine Good Citizen certificate, share this information with your insurance company. Demonstrating that your dog is well-trained and well-behaved may help persuade the insurer to provide coverage or waive additional premiums.
- Consider dog liability coverage: If you are unable to find a homeowners insurance company that covers Rottweilers, you may need to explore alternative options. Consider obtaining dog liability coverage, such as an umbrella policy or a stand-alone dog liability insurance plan. These policies can provide coverage for any third-party property damage, injury, or casualty inflicted by your Rottweiler.
- Check state-specific regulations: Some states, such as Illinois, Nevada, and New York, have banned insurers from refusing coverage based on your dog's breed. Research the specific regulations in your state to understand your options and rights as a dog owner.
- Be honest about your dog's breed: While it may be tempting to conceal the fact that you own a Rottweiler, it is essential to be honest on your insurance application. Providing false information or omitting details about your pet may result in future claims being denied by your insurance company.
Remember, proper training and a loving home can make a significant difference in the temperament and behaviour of a Rottweiler. While insurance options may be limited, responsible ownership should not be discouraged due to a lack of insurance choices.
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Frequently asked questions
Homeowners insurance policies vary, but many exclude dogs that are considered to be aggressive breeds, such as rottweilers.
Rottweilers are often considered to be a more aggressive dog breed, and insurance companies don't want to take on the liability.
If your dog is on your insurance company's restricted breed list, your policy's liability coverage is unlikely to cover any third-party injuries or property damage. You may need to purchase an outside rottweiler liability plan.
Yes, some insurance companies, such as State Farm, USAA, and Chubb, do not consider dog breed when providing quotes for home insurance.
