Liberty Mutual typically restricts or excludes coverage for high-risk dog breeds believed to be aggressive or prone to causing injuries. Commonly restricted breeds include Pit Bulls, Rottweilers, Doberman Pinschers, German Shepherds, Chow Chows, Akitas, Wolf Hybrids, Alaskan Malamutes, and Canary Dogs (Perro de Presa Canario).

What dogs are restricted breeds?

Restricted breeds include: Akita, Australian Cattle Dog, Belgian Malinois, Bouvier Des Flandres, Bull Terrier, Bullmastiff, Chow Chow, Doberman Pinscher, Dogue De Bordeaux, German Shepherd, English Mastiff, Rhodesian Ridgeback, Rottweiler, Staffordshire Bull Terrier, and any cross of these.

Do I have to tell my homeowners insurance that I have a dog?

Even if the questionnaire you fill out doesn't explicitly ask, it's still your responsibility to let your insurer know if there are any animals in the house. Note that some insurers exclude exotic, saddle, and farm animals without adding an endorsement to your policy.

Are there certain dog breeds that aren't covered by renters insurance?

Many renters insurance policies include specific breed restrictions, especially when it comes to dogs that may have a reputation for aggressive behavior. Commonly excluded breeds may include Pit Bulls, Rottweilers, Dobermans, and other large or protective dogs.

What dog breeds are blacklisted by insurance companies?

These are some of the most commonly banned breeds:

• Doberman pinscher.
• Pit bull terrier.
• Rottweiler.
• Chow chow.
• Wolf dogs and hybrids.
• Presa Canario (Canary Dog)
• Akita.
• German shepherd.

Liberty Mutual Insurance Dog Walker Commercial

What is the least expensive dog breed to insure?

On the flip side, other breeds that are relatively cheaper to insure due to their low overall health risk or behavioural issues include:

• Jack Russell terriers.
• Chihuahuas.
• Pomchis.
• Cockapoos.
• Patterdale terriers.

Does Liberty Mutual Renters insurance cover pets?

No, renters insurance does not cover pets. You'll need to buy a separate pet insurance policy.

What dogs make your insurance go up?

What Dog Breeds Affect Homeowners Insurance?

• Pit Bulls.
• Rottweilers.
• Doberman Pinschers.
• German Shepherds.
• Akitas.
• Chows.
• Presa Canarios.
• Great Danes.

What is the 80% rule in homeowners insurance?

The 80% rule in homeowners insurance requires you to insure your home for at least 80% of its total replacement cost value to receive full coverage for damages, preventing penalties for being underinsured. If you carry less than 80% coverage and have a partial loss, the insurer applies a "coinsurance penalty," paying only a proportionate amount (e.g., 80% of the claim) and leaving you responsible for the rest, even for smaller repairs. This rule ensures you have enough money to rebuild, so you must update your coverage after major renovations or with rising material/labor costs. 

What dogs do vets not recommend?

Vets often advise against owning certain breeds, especially brachycephalic (flat-faced) dogs like French Bulldogs, Pugs, and English Bulldogs due to severe breathing, skin, eye, and birthing issues; high-energy working dogs like Belgian Malinois and Siberian Huskies because they need extreme stimulation; and breeds with genetic predispositions like Dachshunds (back problems) or Chow Chows, citing health and welfare concerns. They see the suffering behind popular aesthetics, leading to recommendations against breeds with exaggerated features or intense needs.
 

What dogs are prohibited breeds?

Breeds or types frequently affected by BSL include:

• “Pit bull” types (e.g., American Pit Bull Terrier, American Staffordshire Terrier, Staffordshire Bull Terrier).
• Rottweilers, Dobermans, and sometimes other large breeds.
• In some localities, any dog that resembles these breeds may be regulated, not just purebreds.

What is the best dog for homeowners insurance?

Labrador Retriever. Labrador Retrievers are known for their friendly and gentle nature, making them excellent family pets. They have a low likelihood of aggression, making them more favored by insurance companies. Their popularity and reputation often result in lower premiums for homeowners.

What insurance companies don't have breed restrictions?

State Farm is one of the very few insurance companies that don't discriminate by dog breed. The company won't ask what breed of dog you have when you sign up for a policy, and it won't deny you coverage just because your dog's breed has a history of incidents.

Do I need to tell my insurance company I have a dog?

While you don't need to “add” your dog to your policy like a driver on car insurance, you should inform your insurer. Dogs can pose liability risks — especially if they bite someone or damage property. Failing to disclose your pet could lead to a denied claim or policy cancellation.

What dog is the most expensive to insure?

The most expensive breed to insure is the Cane Corso, which according to the American Kennel Club often weighs more than 100 pounds. The least expensive breed to insure, the Chihuahua, usually weighs less than six pounds according to the American Kennel Club.

Is Liberty Mutual good pet insurance?

Liberty Mutual Pet insurance is supported by one of the most established insurance companies in the US, and it is an excellent choice for those looking for stability and quality. It is also an affordable option for owners who are working on a tighter budget.

What are common complaints about Liberty Mutual?

Some examples of bad faith tactics involved in Liberty Mutual complaints include adjusters: Not fully investigating claims. Causing unnecessary delays. Denying a valid claim.

What dogs are not covered by renters insurance?

Commonly restricted breeds include pit bulls, rottweilers, German shepherds, and doberman pinschers. These breeds may be considered high-risk or potentially dangerous due to their historical involvement in dog-related incidents.

What dog breeds make insurance go up?

The dog breeds that most often cause an increase in your home insurance premium include:

• Akita.
• Alaskan Malamute.
• American Pit Bull Terrier.
• Chow Chow.
• Cane Corso.
• Doberman Pinscher.
• German Shepherd.
• Great Dane.

What is the calmest low maintenance dog?

The 10 Best Dog Breeds for Families with Packed Schedules

• French Bulldog. ...
• Basset Hound. ...
• Beagle. ...
• Golden Retriever. ...
• Pug. ...
• Bulldog. ...
• Shih Tzu. Originally bred as companion dogs, Shih Tzus excel at providing comfort without demanding excessive attention. ...
• Greyhound. Surprisingly, these racing dogs are couch potatoes at heart.

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