High risk home owner insurance quote

Nothing can beat the security and peace of mind that you get from good high risk homeowner insurance. That’s why we’re here – to help you find a policy that protects you and keeps you happy. We offer an unbeatable number of deals and discounts on high risk homeowner insurance quotes in every region of the country. To find the policy that’s best for you, just search our state-of-the-art database for offerings in your area. And remember, insuring yourself for the future is an investment worth making.

As the costs of dog bite litigation spirals — more than $1 billion a year according to the Insurance Information Institute — some insurance companies are refusing to write coverage for owners of certain breeds. Therefore, if you own a dog, you are a high risk home owner, and therefore require high risk homeowner insurance quotes when you go about obtaining quotes for coverage of your home. About 40 percent of American households have at least one dog, according to The Humane Society of the United States. Many of those dog owners have homeowners insurance, too.

While there might not be an industry-wide “blacklist” of breeds that would make you eligible for high risk homeowner insurance quotes, it's probably best to check with your agent before you buy a German shepherd, a pit bull, or a rottweiler. Some insurers have lists of breeds and crossbreeds they will not insure. The usual suspects are:

• Pit bulls



• Rottweilers



• Wolf hybrids



• Huskies



• Dalmatians



• Airedales



• Great Danes

Other insurers consider such breeds on a case-by-case basis. In some states, it’s illegal for insurance companies to deny coverage simply because a home has a dog of a particular breed. Some companies don't discriminate by breed.

Some companies will ask, "Do you own a vicious dog?" on home insurance applications. Any previous dog-bite claims will show up on your claims history, which insurers check before issuing a policy. Policyholders have to answer questions about dogs on their high risk homeowner insurance applications. Specifically, most insurance companies want to know if a dog has ever bitten anyone or if it has been trained for attack purposes.

High risk homeowner insurance companies are most concerned about unprovoked dog attacks. If your dog has an unprovoked attack in its history, most insurers will cancel or refuse to renew an existing home insurance policy, decline your application for a new one, or attach an exclusion for the dog to the policy. The exclusion means the insurance policy would not cover any liability claims caused by the dog, making you personally responsible for any medical bills or lawsuits stemming from your dog's actions.

Most policies for high risk homeowner insurance are complicated, whether they involve a dog or not. No two insurance policies are the same, and our database is designed to help you find the exact policy that’s right for you. Now that you’ve had a chance to look around, decision time is here. Make sure you choose a policy that provides you with all of the coverage you require. Life is too precious to proceed without the full range of coverage to ensure a prosperous survival. With this in mind, choose a high risk homeowner insurance quote that works for you.

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