Owning a dog can bring so much joy, but it also comes with added responsibilities—especially when it comes to home insurance. While having a dog doesn’t necessarily mean your insurance will cost more, it can change the way insurers view your home’s “exposure.” Exposure, in simple terms, refers to the level of risk an insurance company sees in a home, and dogs can sometimes increase that risk.

What Is “Exposure” and How Does a Dog Affect It?

When insurance companies calculate home insurance premiums, they look at different types of risks or “exposures” a home may have. Exposure, in this context, means the chance of a situation that could lead to a claim. Dogs can add to this exposure because they might cause injuries or damage. This doesn’t mean having a dog will automatically increase your insurance costs, but it does mean insurers will take your dog into account when determining coverage.

For instance, larger, more protective dog breeds may increase this exposure because they’re often associated with guarding instincts or high energy. Even if your dog is friendly, insurance companies still consider potential risks, like accidental bites or damages. This is why it’s essential to understand how exposure works and how you can help minimize risks.

13 Dog Breeds Often Excluded from Home Insurance

Not all dogs are treated equally by insurers. Some insurance companies have specific lists of dog breeds they view as higher risk, leading them to exclude these breeds from coverage. Here are 13 dog breeds that are frequently excluded:

1. Rottweiler
2. Pit Bull Terrier
3. Doberman Pinscher
4. German Shepherd
5. Akita
6. Mastiff
7. Alaskan Malamute
8. Chow Chow
9. Siberian Husky
10. Great Dane
11. Wolf Hybrid
12. Presa Canario
13. Belgian Malinois

These breeds are commonly excluded not because they’re “dangerous” but because their size, strength, and protective nature mean they might cause more severe injuries if an incident does occur. Each insurance company has its own list and rules, so it’s a good idea to check with your provider if you have one of these breeds.

Understanding Liability Risks with Dog Ownership

“Liability” in insurance means the responsibility if your dog injures someone or causes property damage. For dog owners, this can mean covering medical bills or repair costs if an incident happens. Liability coverage helps protect you financially if, for example, your dog bites a guest or damages a neighbor’s property.

Home insurance policies typically include some liability coverage, but this can vary based on the type of dog you own. If your dog is a breed that’s commonly excluded, or if it has a history of incidents, you may have fewer options for coverage. Some insurers may offer limited liability options or increase your premiums to account for the additional risk. While these changes in exposure don’t necessarily lead to higher premiums, they may impact the kind of protection you have.

Finding the Right Balance between Dog Ownership and Insurance

Being a responsible dog owner includes understanding how your furry friend impacts your home insurance. While having a dog doesn’t automatically make insurance more expensive, it does shift the coverage needs due to the added exposure and potential liability risks. By taking a few simple steps, such as training your dog and securing your property, you can help manage these risks and keep your home covered.

It’s worth checking with different insurance companies if you’re concerned about breed exclusions, as policies vary widely. Educating yourself about these potential impacts helps you balance your love for your dog with your home protection needs. With the right coverage and preventive measures, you can enjoy the peace of mind that both you and your dog are protected.