Why does my dog's breed matter to my insurance company?
While I was getting a quote for a renter's policy, the insurance company asked what breed my dog is. I told them the truth, that's she's a pitbull. But now I'm worried I'm going to be charged more for her breed. She's a sweet dog and doesn't have a bite record or anything. I don't get why that would matter.
Typically, the liability portion of your renters and home policies apply to your pets in the event they bite someone. Fair or not, insurance companies use breed-specific information to predict if they'll be liable for a bite claim. In their eyes, certain dogs are more likely to bite than others and thus they can charge more for them. These dogs are typically Pitbulls, German Shepherds, Rottweilers, Huskies, or Chows. Not every insurance company will charge more for these dogs, so ask your insurance company if they are. See our guide to how your dog can affect your renters policy for more information.