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Where can I get home insurance coverage for a German Shepherd?

German Shepherd Home InsuranceOwning a German Shepherd dog can cause some issues when looking to get home insurance coverage.

German Shepherds are great dogs but the fact that many lawsuits have arisen in recent years against owners of certain breeds of dogs have made it somewhat challenging for those with “aggressive breed” animals to find home insurance that will cover them at a reasonable price.

Even if you have lovingly trained your German Shepherd to be a good dog, you will find that many homeowners insurance companies may still want to turn you down for coverage or try to surcharge you for including animal damage or injury on your policy.

When you find that you are having difficulty getting home insurance due to your dog, you should shop around before taking out a policy without coverage for your animal’s potential actions.

To compare German Shepherd homeowners insurance quotes online from many different companies just enter your zip above to start the process!

The Problem With German Shepherds and Other Dogs

German Shepherds are excellent guard dogs. They are large dogs, typically weighing between 60 and 75 pounds. Despite the fact that they have a natural protective instinct, many owners believe that they need training to be guard dogs.

This often results in animals that are overprotective, aggressive and dangerous. The damage that a large guard dog can do to a person, especially a child, can be very destructive.

German Shepherds are not the only dogs that cause a problem with homeowners insurance. The following breeds also make the bad dog list, according to many insurance companies:

  • Pit Bull
  • Rottweiler
  • Presa Canario
  • Siberian Husky
  • Wolf Hybrids
  • Staffordshire Bull Terrier
  • Chow Chow
  • Doberman Pinscher
  • Akita
  • Alaskan Malamute

These dogs were selected based on how often they bite and their size. Many organizations are against this type of breed discrimination. Their argument is that such animals alert their owners to impending danger such as theft and fire, therefore reducing home insurance claims.

However, the reality is that 4.7 million people receive dog bites every year and of these 800,000 seek medical attention. 33% of home insurance liability claims are for dog bites.

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Liability Coverage and Dog Owners

In the regular home insurance policy, liability is extended to damage or injury to others caused by any person or animal in the insured household. However, when it comes to certain dogs, there tends to be some ambiguity especially depending on where you live, if your dog has bitten someone before and each individual insurance company’s policies on it.

Certain states have a guideline that says that the owner is responsible for any injury caused by their dog, even if the injured party provoked the animal. Other states protect dog owners from liability the first time their animal bites. However, if it has bitten even just once it is considered to have shown dangerous behavior and the owner becomes liable subsequently. In other states, the owner is only liable if he or she was negligent in failing to restrain the animal. In most places homeowners are not liable when trespassers are bitten.

Regardless of the rules in your state, if you have a dog, even one from the bad dog list, it makes sense to carry liability insurance coverage that includes coverage for your pet. This is particularly important if you have significant assets you want to protect. Lawsuits caused by animal attacks can get very costly.

Shop Around When Looking for German Shepherd Home Insurance Coverage

You will find that the majority of insurance companies will provide home insurance to someone with a good German Shepherd dog that has never bitten anyone. However, if the animal has ever bitten anyone before, many insurers will charge you extra to cover your animal’s actions or may require you to sign a waiver to exclude liability coverage for anything your dog does.

As with many aspects of home insurance, the guidelines vary from company to company, therefore it is important for German Shepherd owners to shop around for homeowners insurance price quotes and compare and contrast them. Pay close attention to the small print. If a policy is significantly less expensive than the others, it may have excluded your animal.

To get home insurance quotes quickly and easily, simply opt to use our free online quote tool. By doing so, you will only answer questions about yourself, your home and your pet once. The quote tool will submit your information to various top insurers serving your area and before you know it you’ll have the price quotes you need to help you find affordable information that covers your German Shepherd too. Simply click on the quote tool to start shopping around now!

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