CKC Siberian Husky Breeder
Website last updated: April 14, 2019
The Siberian Husky &
Homeowners Insurance
Tho it can be hard to believe, the Siberian Husky, even with it's affectionate nature, is on most homeowners insurance companies dangerous/bad breed lists. Before deciding to bring a Siberian Husky into your home, you should check the policies on Siberian Huskies with your insurance company. Because if you don't do so, and you bring a Siberian Husky into your home and they find out, they can drop the coverage on your home.
We found, when we were shopping for homeowners insurance before buying our new home this last year, that most insurance companies will work with you and if you meet their requirement(s), such as installing a 6 foot fence, or have a safe kennel for your husky, they will cover you. Some won't be able to provide you with coverage at all because you have a Siberian Husky, and others have no policies at all regarding Siberian Huskies. So, there are options out there, but definitely something to consider before bringing a Siberian Husky into your home.
The Issue of Breed Discrimination
US Insurance Agents » The Ultimate Guide to Homeowners Insurance for Dog Owners
Some organizations, like the American Kennel Club , have spoken out in favor of dogs and home ownership, claiming that dogs can act as a natural deterrent against theft and property damage. Insurance companies can question homeowners on whether they own a certain breed of dog, and can charge more for a policy or require additional paperwork depending on the answer. Breed profiling is outlawed in some states, most notably Michigan and Pennsylvania. However, in most other states, insurance companies can outright "blacklist" policy holders for owning certain dog breeds. These breeds, especially if they have a history, are listed as "uninsurable," potentially leaving the owner liable for medical bills or lawsuits if the dog should bite someone.
Many times, insurance companies will not take a dog or dog owner's history into account -- they simply go by the average number of bites that are reported for certain breeds, as well as breeds with recent high-profile stories in the news. This often means that a breed of dog that is "safe" one year may be "dangerous" the next. Some insurance companies can require muzzling, behavioral training, or other restraints in order to write a policy, incurring extra financial burdens on dog owners.
The following types of dog are most often considered "bad breeds" by many insurance companies:
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Akita
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Alaskan Malamute
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Chow Chow
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Doberman
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German Shepherd
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Pit Bull
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Rottweiler
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Siberian Husky
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Wolf Hybrid