Dogs restricted for renters insurance are fast becoming part of the rules of society, especially if the dogs are labeled dangerous or vicious. According to the Humane Society of the United States (HSUS), the Center for Disease Control and Prevention (CDC), and the American Veterinary Medical Association (AVMA), the most dangerous dogs of today are the Dalmatian, the Boxer, the German Presa Canario, the Chow Chow, the Doberman Pinscher, the Alaskan Malamute (if they become bored), Huskies, German Shepherd, the Rottweiler, or Pit Bull. Some pet insurance companies add the Akitas and Wolf Hybrids to the list.
If these dogs are in homes where dog owners apply for renters insurance, the cost of the pet insurance can increase, depending on the state and company. However, some pet insurance companies will not permit any dog at all in their rentals, especially aggressive dogs. They may limit the type of dog the owner’s can have in the rental, with the usual dogs restricted for renters insurance the German Shepherd, Pit Bull and Rottweiler. With over four million dog bites annually, dog bite claims make up the largest portion of the pet insurance claims that occur on dog owner’s renters property.
There are some states who more or less turn the other cheek if a rental has a dog that bites the first time. On the other hand, other states find the dog owner liable for each and every dog bite regardless of the reason. Taking an aggressive dog to an obedience training class to prevent biting and aggression is highly suggested, with records kept of the courses taken for any dog bite incidents. Another idea is to get third-party damage coverage for dog damage to the rental – chewing on furniture, ruining rugs, or chewed doors.
Picking a pet insurance company for any dogs restricted for renters insurance involves a few steps.
- Make sure liability is part of the pet insurance policy regarding dog bites, accidents or loss.
- Check with the insurance company regarding their policy for high-risk dogs
- All insurance companies are state regulated, so check on their legislation regarding certain breeds.
Nancy L. Young-Houser is a freelance writer from Central Nebraska. She is author of Way Cool Dogs and runs an elderly dog and dogs with behaviors retirement home with Sandra Marquiss.