Does Owning A Dog Raise Homeowners Insurance? 
Depends on several factors including the State involved , the relative underwriting policies of the various carriers and the breed of dog . Since there are more than 4.5 million dog bites each year in the U.S. with more than 50 % of them occurring on the dog owners ' premises , it is easy to see why this can be a huge issue with regard to dog ownership and homeowner insurance coverage . The liability coverage supplied in homeowners and renters policies is at risk depending on these factors . In most States , it depends on the breed of dog . Be upfront with a prospective or existing insurance carrier . Some carriers will increase your rates if you are an existing customer and others may refuse you as a customer . Others may be precluded from doing so , based on State regulations . Your agent can help you with this process and should be able to tell you the position of each carrier with regard to your specific breed of dog . 