Does Having A Dog Increase Homeowners Insurance? 
That 's a great question ! Having a dog in and of itself might not affect your home owners rates , but owning specific breeds of dogs might . Depending upon your policy and company , there are some breeds of dogs that the insurer will deem as more of a risk to bite . That risk will affect the liability portion of your policy , and thus increase your rate . I 'd advise you to contact your agent , and see if they have a pet clause in your policy , and if your dog will invoke any or all of it . Hopefully it wo n't , and you will have many wonderful years with your furry companion ! Thanks for asking ! 