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I am about to buy a home in Texas, and was told by a realtor that there is a new law in Texas that homeowner’s insurance can no longer cover “aggressively-bred” dogs. This includes German Shepherds and Rottweilers, both of which I have (but neither are aggressive). Is this correct? Will I not be able to get liability insurance for the dogs?

5 Thoughts on Laws against Texas Homeowner’s Insurance covering aggressively-bred dogs?
  1. Reply
    June 22, 2011 at 4:40 am

    Some companies cover dogs and some don’t. I don’t know about the new law. I am not in Texas.

    State Farm does cover dogs unless something has changed. Call a local agent.

  2. Reply
    Robert K
    June 22, 2011 at 5:38 am

    In my experience, many companies will write the business while specific breeds such as the ones you mentioned are present. Often times the presence of these dogs simply means that the agent will have to ask an additional series of questions relating to training, previous acts of aggression, etc. The people you want to speak to about this are local insurance agents and not the realtor. While the realtor may have the best intentions in mind, they rarely know anything about insurance, which is why states require licensing, to help avoid situations like this. Call around to the local companies and see what they have to offer for you, and make sure to be honest about the dogs.

  3. Reply
    June 22, 2011 at 6:11 am

    Some companies will cover the dogs you have and some will not. Most companies that cover dogs with history of bites for a premium or increased rate on your insurance. Some companies will not write your insurance or will have you sign an exclusion of coverage which means that dog bites will not be covered. Maybe your realtor means insurance companies are not “required” to cover aggressive breeds. You can always check with city hall for clarification. We can quote homeowners insurance in Texas if you need a quote.

  4. Reply
    June 22, 2011 at 6:53 am – try this one. Got my home insurance from them. As I know they provide such a service.

  5. Reply
    Alonzo A
    June 22, 2011 at 7:07 am

    RK, Home insurance is actually very flexible. I’m not familiar with the Texas laws and regulations, so I suggest you call a nearby homeowners insurance agent. They should be able to assist you.

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