Dog breed exclusions and liability

🐕‍🦺 Dog Breed Exclusions & Liability: What Canadian Homeowners Need to Know 🇨🇦

For many Canadians, dogs are cherished members of the family. But few realize that certain breeds may affect their home insurance coverage.

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🔍 What Are Dog Breed Exclusions?
Some insurance providers in Canada maintain a list of breeds deemed “high-risk” due to perceived aggression or a history of liability claims. If your dog appears on this list, your liability coverage may be reduced—or even denied.

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🚫 Breeds Commonly Excluded May Include:
• Pit Bulls
• Rottweilers
• Dobermans
• Wolf Hybrids
• German Shepherds (in some cases)
• Akitas and Mastiffs

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⚖️ Why This Matters
If your dog injures someone—even on your own property—you could be held personally liable. And if your pet is excluded from your policy, your insurance may not respond to the claim.

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📉 Potential Consequences for Homeowners:
• Denied liability claims
• Higher premiums
• Difficulty securing coverage

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✅ How to Protect Yourself:
• Always disclose your dog’s breed when applying for or renewing home insurance
• Ask your broker about any pet-related exclusions in your policy
• Consider umbrella liability insurance for additional peace of mind
• Prioritize training, socialization, and responsible pet ownership

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🐾 Being a pet owner comes with many joys—and serious responsibilities. Understanding how your dog may impact your insurance is part of protecting both your home and your family.

📬 Have questions about pet-related coverage or policy exclusions? Let’s connect.

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