{"id":13280,"date":"2026-02-05T05:01:20","date_gmt":"2026-02-05T05:01:20","guid":{"rendered":"https:\/\/youset.ca\/?p=13280"},"modified":"2026-03-16T12:01:14","modified_gmt":"2026-03-16T12:01:14","slug":"why-does-insurance-ask-if-you-have-a-dog","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/why-does-insurance-ask-if-you-have-a-dog\/","title":{"rendered":"Why Does Insurance Ask If You Have a Dog?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Getting a <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=en&amp;externalId=blog\"><span style=\"font-weight: 400;\">home insurance quote<\/span><\/a> <span style=\"font-weight: 400;\"> can feel like answering a million questions. One that often catches people off guard is, \u201cDo you have a dog?\u201d It might seem like an odd question at first, but there\u2019s actually a good reason behind it.&nbsp;<\/span>\n\n<span style=\"font-weight: 400;\">In this article, you\u2019ll learn why insurance providers ask if you have a dog, whether <\/span><a href=\"https:\/\/youset.ca\/en\/home-insurance\/\"><span style=\"font-weight: 400;\">home insurance<\/span><\/a> <span style=\"font-weight: 400;\"> covers dog-related incidents, and how owning a dog can affect the cost of your policy.&nbsp;<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_a16eeb5c6a8a8d2749dafe15612c2a90\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Key takeaways<\/p>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><p><span style=\"font-weight: 400\">Insurance companies ask if you have a dog to better understand the risk you pose as a customer, and how likely you are to make liability claims from dog bites or injuries. While home and tenant insurance in Canada usually covers dog-related incidents under personal liability, owning a dog can affect your premiums or coverage, especially depending on the breed.<\/span><\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-does-insurance-ask-if-you-have-a-dog\">Why does insurance ask if you have a dog?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Every question you\u2019re asked when getting a quote for insurance is for one purpose: to find out the risk you pose as a customer. Essentially, they\u2019re trying to learn how likely you are to <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/home-insurance-claims\/\"><span style=\"font-weight: 400;\">file a claim<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">To calculate your premium, insurers assess dog-related risks alongside dozens of other factors, such as whether you have a pool or live in a flood-prone area. For example, when getting an insurance quote, homeowners are asked whether they have a pool on their property, as pools increase the likelihood of injuries or <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/does-insurance-cover-accidental-damage\/\"><span style=\"font-weight: 400;\">property damage<\/span><\/a><span style=\"font-weight: 400;\">, meaning a higher risk (and higher premiums).\u00a0<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The same idea applies to dogs. Insurance providers ask about pets because they introduce specific risks, including:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Liability risks: <\/strong> Dog bites can lead to lawsuits or medical claims.<\/li>\n\n\n\n<li><strong>Property risks:<\/strong> <em> <\/em> Dogs can damage your property, its fixtures, and <a href=\"https:\/\/youset.ca\/en\/blog\/what-is-contents-insurance-in-canada\/\">your belongings<\/a>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">These risks are also becoming more relevant for insurers. For example, <\/span><a href=\"https:\/\/www.cbc.ca\/news\/canada\/ottawa\/ottawa-dog-attack-numbers-stats-rules-1.7330895\"><span style=\"font-weight: 400;\">reported dog attacks in Ottawa increased by 50%<\/span><\/a> <span style=\"font-weight: 400;\"> since the start of the pandemic, primarily due to new pet ownership and inexperienced owners. This spike has been a growing concern for insurance providers because more dog-related incidents can lead to increased liability claims.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Even if your dog is well-behaved, insurers still need to know about them because accidents can happen. As <\/span><a href=\"https:\/\/www.ctvnews.ca\/toronto\/consumer-alert\/article\/dog-owners-can-be-sued-and-charged-if-their-pet-injures-another-person-or-pet-toronto-lawyer\/\"><span style=\"font-weight: 400;\">personal injury lawyer, Nainesh Kotak<\/span><\/a> <span style=\"font-weight: 400;\"> explains, \u201cDog owners should have home or tenant insurance and ensure their company is aware of the size and breed of their pet. Make sure your home insurance knows you have a dog, so you\u2019ll be covered if your dog bites somebody and you\u2019re sued.\u201d\u00a0<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Failing to be upfront about your dog can result in denied claims if an incident occurs, policy cancellation, or even difficulty getting insurance in the future. Transparency protects both you and your insurer, ensuring you&#8217;re covered when you need it most.\u00a0<\/span><\/p>\n\n\n\n\t<section id=\"post-cta-block_be7e0301cb5584c87e2a762376aa3c2c\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between items-center gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Get the best price on homeowners insurance year-after-year<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=en&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Get a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-does-home-insurance-cover-dogs\">Does home insurance cover dogs?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Yes, <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/what-does-home-insurance-cover\/\"><span style=\"font-weight: 400;\">home insurance in Canada typically covers dog-related incidents<\/span><\/a><span style=\"font-weight: 400;\">, such as injuries your dog causes to others or damage to someone else\u2019s property. This is covered under <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/what-is-personal-liability-insurance\/\"><span style=\"font-weight: 400;\">personal liability coverage<\/span><\/a><span style=\"font-weight: 400;\">. It typically includes:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Medical bills for injuries to others<\/li>\n\n\n\n<li>Legal expenses, including attorney fees and court costs<\/li>\n\n\n\n<li>Property repair or replacement costs for damage you cause<\/li>\n\n\n\n<li>Lost wages for injured parties<\/li>\n\n\n\n<li>Rehabilitation costs for injured parties<\/li>\n\n\n\n<li>Settlements or judgments in a lawsuit<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Essentially, if your dog\u2019s actions result in someone else being hurt or their belongings being damaged, insurance for your home, condo, or rental unit can help cover the costs.&nbsp;<\/span>\n\n<span style=\"font-weight: 400;\">That said, home insurance typically does not cover damage your dog causes to <\/span><i><span style=\"font-weight: 400;\">your own property<\/span><\/i><span style=\"font-weight: 400;\">, such as chewing furniture, scratching the floors, or knocking over a TV. <\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-does-having-a-dog-lower-the-cost-of-home-insurance\">Does having a dog lower the cost of home insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Generally, owning a dog does not lower the cost of home insurance. In fact, it may <\/span><i><span style=\"font-weight: 400;\">increase <\/span><\/i> <span style=\"font-weight: 400;\">your premium as it poses a higher risk of a personal liability claim.\u00a0<\/span> <span style=\"font-weight: 400;\">If someone is bitten or injured, your insurer may have to cover significant medical, legal, and compensation costs, which can be among the most expensive claims insurance companies deal with.\u00a0<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">For example, one <\/span><a href=\"https:\/\/verkhovetslaw.com\/mariya-verkhovets-toronto-personal-injury-lawyer\"><span style=\"font-weight: 400;\">Toronto personal injury lawyer<\/span><\/a> <span style=\"font-weight: 400;\"> noted that &#8220;Compensation amounts vary greatly based on the damages sustained\u2013on average, between $3,000 and $10,000. But if the injuries are severe, the amount can jump to hundreds of thousands, even $1 million.\u201d\u00a0<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-dog-breeds-affect-home-insurance\">What dog breeds affect home insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">It is common for home insurance providers in Canada to have a <\/span><a href=\"https:\/\/www.insurancebusinessmag.com\/us\/news\/risk-management\/doggone-it-14-canine-breeds-that-can-preclude-home-insurance-47526.aspx\"><span style=\"font-weight: 400;\">list of \u201cexcluded\u201d or \u201chigh-risk\u201d dog breeds<\/span><\/a><span style=\"font-weight: 400;\">, which may include:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pit Bull Terriers<\/li>\n\n\n\n<li>Staffordshire Terriers<\/li>\n\n\n\n<li>Rottweilers<\/li>\n\n\n\n<li>German Shepherds<\/li>\n\n\n\n<li>Presa Canarios<\/li>\n\n\n\n<li>Chow Chows<\/li>\n\n\n\n<li>Doberman Pinschers<\/li>\n\n\n\n<li>Akitas<\/li>\n\n\n\n<li>Wolf-hybrids<\/li>\n\n\n\n<li>Mastiffs<\/li>\n\n\n\n<li>Cane Corsos<\/li>\n\n\n\n<li>Alaskan Malamutes<\/li>\n\n\n\n<li>Siberian Huskies<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">That said, every insurer sets its own rules. One company may permit a breed that another doesn\u2019t. Some might even take your dog\u2019s history, such as past bites or aggressive behaviour, as well as your experience and living situation, into account. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Also, bear in mind that the list of \u201crestricted\u201d dog breeds <\/span><a href=\"https:\/\/www.hg.org\/legal-articles\/dog-breeds-can-affect-homeowners-insurance-51264\"><span style=\"font-weight: 400;\">isn\u2019t universally or legally mandated<\/span><\/a><span style=\"font-weight: 400;\">, since each insurer bases its policies on its own underwriting experience and claims data<\/span>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"> <span style=\"font-weight: 400;\">At the end of the day, it all depends on your insurer. To avoid surprises, be upfront about your dog\u2019s breed and check with your provider about their specific policies.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Getting a home insurance quote can feel like answering a million questions. One that often catches people off guard is, \u201cDo you have a dog?\u201d It might seem like an odd question at first, but there\u2019s actually a good reason behind it.&nbsp; In this article, you\u2019ll learn why insurance providers&#8230;<\/p>\n","protected":false},"author":20,"featured_media":13283,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[467,453,451,463],"tags":[],"class_list":["post-13280","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-condo-insurance","category-home-insurance","category-insurance-tips","category-tenant-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Why Does Insurance Ask If You Have a Dog? - YouSet<\/title>\n<meta name=\"description\" content=\"Insurance providers ask about pets because they introduce liability and property risks. 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