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Are dogs covered under home insurance?

My girlfriend and I were thinking about getting a dog together. I just got a notice that my home insurance policy is up for renewal, which got me thinking about our dog conversation. Are dogs covered under home insurance?

avatar
Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
How exciting! Coverage of dogs under your home insurance will mostly fall under
personal liability protection
. That coverage would assist with legal expenses if your dog were to ever injure someone or damage their property, which could save you thousands of dollars.
Some
home insurance
providers may have exclusions for certain dog breeds they deem to be higher-risk. These can include pit bulls, German shepherds, or rottweilers. Others may raise your premium for certain breeds.
For your pet’s health needs, you would need to get separate pet insurance.
Enjoy searching for your new dog together! If getting a dog affects your current home insurance policy in ways you don’t like,
Jerry
can help you look for a new one that better meets your needs. With Jerry, you can quickly and easily compare competitive quotes from top insurance providers, like Nationwide and Travelers. Once you’ve made your pick, they can even help you cancel your old policy.
MORE: 8 Steps to a Perfect Road Trip With Your Dog
View full answer 
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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