Adopting a new dog is a happy event. You have probably chosen a breed that suits your lifestyle and needs. You were surely looking forward to welcoming a new member into your home.
However, be aware that adopting a dog may also affect your home insurance. Depending on statistics on the dangerousness of dogs, some insurers may refuse to cover you for civil liability.
In this article, Assurances Multi-Risques would like to explain the reasons behind this decision. We would also like to take this opportunity to offer some advice if you own a dog that is considered dangerous.
What is a dangerous dog?
In Quebec, municipalities are responsible for compiling a list of dog breeds considered dangerous. Otherwise, a dog may also be considered dangerous if it has previously bitten or attacked a person.
Your dog may be considered dangerous by insurers, even if it seems harmless. This may apply to Pitbulls, Rottweilers, Dobermans, Malamutes, and other breeds. In any case, you must declare the acquisition of a dog to your insurer.
The insurer will then have to make a decision about your civil liability coverage. It may decide to continue your home insurance policy, cancel it at no cost, or terminate it. If your policy is canceled, you will be notified and will be required to sign a document confirming this exclusion.
Why does my dog pose a risk to the insurer?
It is important to understand that insurers base their decisions on statistical data. In the past, insurance companies have had to compensate victims of dog bites. These sums can be much higher than several
According to Article 1466 of the Civil Code of Québec, animal owners must repair any damage caused by their animal. This applies even if the animal is lost, run away, or under someone else’s responsibility at the time of the incident.
As a result, some insurers may now refuse to insure your home if you own a dog breed that is considered dangerous. They may refuse to avoid having to pay out in the event of an incident.
Obligation to declare any risk to the insurer
Doesn’t all this make you want to register your pet?
Sachez qu’advenant un incident causé par votre animal, votre assureur pourrait ne pas vous indemniser si vous ne l’avez jamais déclaré. Ne pas informer votre assureur de l’adoption d’un chien réputé comme étant dangereux constitue une faute. Il est obligatoire de déclarer tout ce qui est en lien avec une aggravation de risque.
How can I get insurance with a dangerous dog?
To increase your chances of finding an insurer for your dog, contact an independent insurance broker who can help you with your search. They understand your situation and can find an insurer that is right for you.
We would also like to share some additional tips that may encourage insurers to make a positive decision:
- Ensure your dog receives training. It has been proven that trained dogs are more sociable with strangers. The owner has better control over their pet.
- Have a fenced yard. This may reassure an insurance company.
- Keep your dog on a leash when walking in public.
To find the right insurer
We understand that you love your dog and that he has probably never been aggressive toward anyone. Your resentment toward insurers who refuse to insure you probably grows with each decision.
Even if you are desperate, do not make false statements to insurers. You will only make your situation worse in the event of a claim.
Instead, contact an independent insurance broker! They can find the right insurer for you and allow you to spend quality time with your pet.