how much in price annually will my insurance raise if I get a dog

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 21, 2018

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Insurance Question from Sewell, KY

Asked on 02/21/2018

how much in price annually will my insurance raise if I get a dog I am checking on getting a dog and I wondered approximately how much my homeowners insurance will go up.

Answer given on February 24, 2018

There is no certainty that your homeowner insurance rates will increase if you get a dog.  Some insurance companies do add a surcharge for dogs, but there is usually a list of breeds of dogs that cause the increase.  There are also other insurance companies which will exclude dog bite coverage for certain breeds of dogs.  Finally there are also insurance companies that will simply non renew your homeowner insurance if you have a dog breed that is considered aggressive or dangerous.

If you are considering getting a dog breed that is known for dog bites you should check with your insurance agent or company to discuss if there are any issues with the breed you are considering.  There may be information in the insurance policy about the dog “issue” .  Review the policy first and then talk to the company or agent.  Think twice about an agressive dog breed as it could endanger you, your family and your insurance.

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