Owning a dog can impact your homeowners insurance coverage, as insurance companies often consider certain breeds or dog-related incidents as factors in determining coverage. Here are some key points to consider regarding dogs and homeowners insurance:

1. Breed Restrictions:
2. Some insurance companies may have breed restrictions or exclusions. Certain breeds are perceived as higher risk due to historical data on dog bites or aggression. Commonly affected breeds may include Pit Bulls, Rottweilers, Dobermans, and others. It's important to check with your insurance provider to understand their specific policies regarding dog breeds.
3. Dog Liability Coverage:
4. Homeowners insurance typically includes liability coverage, which can protect you in case your dog causes harm to someone or damages their property. However, some policies may exclude coverage for specific breeds or may have limitations on the amount of coverage.
5. Incident History:
6. Insurance companies may inquire about your dog's behavior and any history of incidents. If your dog has a record of aggressive behavior or has caused harm in the past, it may impact your coverage or result in higher premiums.
7. Home Inspections:
8. In some cases, insurance companies may conduct home inspections before providing coverage. This may involve assessing the dog's behavior and living conditions to determine the risk level.
9. Deductibles and Coverage Limits:
10. Even if your homeowners insurance covers dog-related incidents, there may be specific deductibles or coverage limits associated with such claims. Review your policy to understand the terms and conditions related to dog liability.
11. Personal Umbrella Policy:
12. If you own a dog that is considered high risk or if you want additional liability coverage, you may consider purchasing a personal umbrella policy. This provides extra liability protection beyond what is included in your homeowners insurance.
13. Training and Responsible Ownership:
14. Some insurance companies may take into account proactive steps taken by dog owners, such as professional training or certifications, to mitigate the risk of aggressive behavior. Demonstrating responsible ownership can positively impact your insurance coverage.
15. Notify Your Insurance Provider:
16. It's crucial to inform your insurance provider about the presence of a dog on your property, especially if you acquire a dog after initially obtaining coverage. Failure to disclose this information could result in a lack of coverage in the event of a claim.

Always check with your specific insurance provider to understand their policies regarding dogs and homeowners insurance. Additionally, it's a good practice to compare quotes from different insurance companies to find the coverage that best suits your needs, especially if you have a dog that falls under breed restrictions. Contact Wilkes Agency for the right coverage for you!