Metlife Home Insurance and Dogs?

Question

Are there specific breeds Metlife will not cover on homeowners insurance? We're looking at an American Staffordshire Terrier (Amstaff) dog. (Dog has no history of biting or aggression--nice as can be!)

Answer 1

unless you have a standing dog exclusion in your policy if you obtain one during the policy period you are not obligated to call them up and get permission to buy a certain type of dog. if in the event of a claim, they will have to have prove that you lied about having the dog when the application was signed.  all the claims i see are rarely from the most common vicious dogs. they are usually your every day dog that has been prevoked.

Answer 2

It is likely that most, if not all, insurance companies will have a problem with a Pit Bull.  You will have to call and find out the consequences.

Answer 3

Here is a quote from an on-line article on the subject of dogs and homeowners insurance:

"While there is no standard list of 'high risk' dogs among different insurance carriers, some of the breeds that are most often targeted are Rottweilers, German Shepherds, Doberman Pinschers, Pit Bulls, Huskies, Malamutes, Chow Chows, Great Danes, and Saint Bernards. "

Your best bet is to call MetLife to see if the terrier is on the list.