Could Your Dog Cost Your Home Insurance in Montana

Could Your Dog Cost Your Home Insurance in Montana

I am going to go ahead and say the unpopular thing:

"There are no bad dog breeds, only bad dog breed owners."

That being said, unfortunately there are breeds that are targeted as being problematic, hated, dangerous and more.  Those particular breeds could be the reason for your insurance company to drop your homeowner policy.

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BSL Laws in Montana are a Little Fuzzy - But No Outlawed Breeds

For Montana, breed specific laws aren't in effect.  We are one of 16 states that don't have laws governing breeds that are considered dangerous.  However, our state does allow for local governments to set laws regarding specific breeds.

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Even though Montana doesn't regulate breeds, your insurance company may have certain rules regarding them.  Those insurance companies could even drop your home coverage due to Fido.

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Ask Your Montana Insurer How Your Policy Works with Pets

According to Forbes, while tough to pinpoint the exact number of bites per year, the cost has steadily risen in collected data.  The average cost for a dog bite claim is $50,245, adding up to nearly $800 million in claims in 2020.

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Check with your insurance professional to find out if your policy could be in danger due to the breed of dog you have in home.  Have you experienced something like this?  Let us know via our app chat or you can email us here.