What Liberty Mutual Dog Breed Restrictions Mean for Homeowners

Liberty Mutual dog breed restrictions can be a significant concern for homeowners who own certain breeds. Some breeds are considered high-risk and may be excluded from coverage or require additional premiums.

If you own a dog that falls under Liberty Mutual's restricted breeds, you may be surprised to find that your policy doesn't cover damage caused by your pet. According to Liberty Mutual's policy, if your dog is deemed a high-risk breed, you'll be required to purchase a separate policy or pay a higher premium.

The specific breeds that are restricted by Liberty Mutual can vary depending on the state you live in. For example, in some states, Pit Bulls are considered a high-risk breed, while in others, breeds like Rottweilers or Doberman Pinschers are restricted.

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Liberty Mutual insurance company has a list of restricted dog breeds that may affect your homeowners or renters insurance coverage. The top 12 dog breeds most frequently banned by homeowners insurance companies, including Liberty Mutual, include Doberman Pinscher, Pit Bull, Rottweiler, and Chow Chow.

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If your dog is on the restricted breed list, Liberty Mutual may raise your rates or exclude liability coverage for any damage caused by your dog. This means you cannot file a claim for incidents such as your dog biting a stranger or damaging property.

Liberty Mutual's restricted breed list is not publicly disclosed, but it's similar to the list of top 12 breeds most frequently banned by homeowners insurance companies nationwide.

Here are the top 12 dog breeds most frequently banned by homeowners insurance companies, including Liberty Mutual:

It's essential to note that even if your dog is not on the restricted list, any history of aggressive behavior can also result in limited or no coverage.

Most homeowners disagree with banning dogs, with 59% saying no to insurance companies denying coverage to homeowners who own certain breeds.

The majority of people surveyed believe that homeowners should be able to own dogs of any breed, as long as they are well-cared for and not a risk to others.

Homeowners insurance typically covers liability for injuries or damages caused by your dog, but this coverage may be limited or excluded for certain breeds.

Having a large dog, regardless of breed, can also lead to restrictions or exclusions in your insurance coverage.

Even if your dog is not on the restricted list, any history of aggressive behavior can result in limited or no coverage, making it essential to ensure your dog is well-behaved and well-trained.

Most homeowners disagree with the idea of banning certain dog breeds.

According to a survey by EverQuote, 59% of 2,250 homeowners said no to home insurance companies denying coverage to homeowners who own certain breeds.

Homeowners see their pets as part of the family, and many are concerned about being unfairly penalized for owning a specific breed.

This perspective is likely due to the emotional bond between humans and their pets, which can be strong and enduring.

The majority of people surveyed believed that insurance companies should not have the right to deny coverage based on breed alone.

If home insurance won't cover your dog, you have a few options. You could find another insurance company that will provide coverage.

Some insurance companies may offer specialty dog liability insurance that can provide more comprehensive coverage than home insurance typically offers. This type of policy is specifically designed to protect homeowners with restricted breeds.

You can also consider shopping around for a new insurance provider that doesn't have breed restrictions. Unfortunately, even with a new provider, your rates may still be higher due to your dog's breed.

A survey of 2,250 homeowners found that 59% of people disagreed with home insurance companies being able to deny coverage to homeowners who own certain breeds. However, this doesn't change the fact that some insurance companies still have breed restrictions.

You may be able to still get home insurance with a restricted breed, but it may come with additional requirements, such as higher premiums or signing a liability waiver.

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If your dog is on the restricted breed list, your insurance company may raise your rates or exclude liability coverage for any damage caused by your dog.

You might be surprised to know that even if your dog is not on the restricted list, any history of aggressive behavior can also result in limited or no coverage.

Homeowners insurance typically covers liability for injuries or damages caused by your dog, but this coverage may be limited or excluded for certain breeds.

If you have a large dog, you may still face restrictions or exclusions, even if your breed is not on the restricted list.

Renters insurance is similar to homeowners insurance in that it can also provide liability coverage for dog-related incidents, but the same restrictions and exclusions for restricted breeds may apply.

You'll want to review your renter's insurance policy carefully or consult with an agent to understand what is covered fully.

If you have a restricted breed of dog and your current home insurance provider won’t cover liability for your pet, you have a few options: find another insurance company that will provide coverage or look into specialty dog liability insurance.

Here's an interesting read: Restricted Breeds of Dogs