Will a guard dog decrease my home insurance rates?

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Asked March 21, 2016

1 Answer


Unfortunately, the only difference your canine companion could have on home insurance rates is to drive them higher. Insurance companies aren't going to take your word for it that your dog is keeping the place secure, and there's plenty of circumstances (fires, storms, etc.) where your pooch won't be able to stop damage from occurring.

From your insurer's standpoint, your dog is more likely to cost money than save any. Dog bites are a serious concern, and more than 4.7 million attacks happen every year in the United States. The average cost of a dog bite settlement was $32,072 in 2014, and it's on the rise. Make certain that this is something your insurance policy covers, because if Fido goes overboard with guard duty, you definitely don't want to wind up with the bill.

If you haven't gotten your dog yet, check with your insurance company first. Some dogs are much more difficult to find coverage for - especially breeds like pit bulls, Dobermans, and Rottweilers. You can be denied homeowners' or renters' insurance based on the breed of your dog. If you're set on a Doberman, that's fine; but be aware you might pay more or even have a harder time finding an insurance company.

Answered March 22, 2016 by AllstatePals

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