Does Travelers Insurance Have Dog Breed Restrictions

December 31, 2021 Post a Comment

Some insurance companies will still provide coverage but they might charge higher premiums if a dangerous dog is on the property. By Hippo Insurance According to the American Pet Products Association there are nearly 90 million pet dogs in the United States.

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Many insurers wont cover muscular canines that can inflict severe harm from a single bite like Doberman pinschers or even chowchows.

Does travelers insurance have dog breed restrictions. Some major home insurance companies DO NOT increase premiums based on breed including Allstate Amica Nationwide State Farm and USAA. More dangerous dog breeds are often excluded from your coverage plan. Dogs such as pit bulls Rottweilers Chows Presa Canarios and Akitas are often on banned-dog lists by home insurance companies.

It is important to make sure your home insurance company knows you have a dog though in order to make sure you are covered in the event of a claim made against you. If you fail to inform your insurance provider that you own a dangerous breed it may have legal grounds to deny any claim you make even claims not related to liability. Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates One Tower Square Hartford CT 06183.

Insurance companies that discriminate dog breeds. Every dog can be trained to become kind or even aggressive. It is possible that the breed-specific legislation may change elsewhere as well in the future.

Some home insurance providers have firmer policies on breeds of dog as a basis for coverage. Abram Interstate Insurance Services Inc. But some home insurance companies have lists of prohibited dog breeds -- they will not sell coverage to you or will.

Generally home insurance covers a homeowners liability for dog bites. In all other states your insurer can decide if a dog breed is a reason for coverage denial. For most owners their dogs are part of their families.

Its understandable that your insurance company wouldnt want to jump in and take responsibility for all these injuries. Following are a few insurers that have a strong. But insurance companies often disagree.

And underwritten by Consumers County Mutual Insurance Company CCM. CCM is not a Travelers. In Michigan and Pennsylvania it is illegal for insurance companies to refuse insurance on dog breed basis.

If you own a dog or plan on getting one be aware of homeowners insurance dog breed restrictions. These lists have various names depending on the company such as excluded dog breeds aggressive dog list insurance list of dangerous dogs prohibited dog breeds. The breed of dog is a key factor when it comes to determining your homeowners insurance premium.

Michigan and Pennsylvania are the only states where home coverage denial based on breed is illegal. In these cases hiding your pit bull is not an option. In fact homeowners with certain breeds of dogs may have trouble getting homeowners insurance.

Insurance companies can elect to ban particular dog breeds. Many insurance companies have restrictions on the breeds that they will cover. To put it simply liability claims can come from any breed.

When it comes to predicting which dogs are most likely to be aggressive many preconceptions arent necessarily true. The most common homeowners insurance dog breed restrictions include. There is no upper age restriction or breed restriction for enrolling and there are no exam or vaccination requirements to enroll your pet.

The most common thing I hear is Pit bulls are good dogs if you train them properly but its not just pit bulls German shepherds or any other breed of dog. Automobile insurance is offered by Travelers Texas MGA Inc. To them dogs are a liability.

If an insurance provider denies coverage because you own a commonly restricted dog breed there are a few things you can try. Ask your agent if theyll grant an exception for a dog with a Canine Good Citizen certification from the American Kennel Club your dog will need to pass a 10-step test in front of a professional evaluator. While some such as State Farm dont have any dog breed restrictions insurers like Esurance deny all liability coverage for incidents involving pit bulls.

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