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Because over $350 million is spent annually on dog bite settlements, home insurance is more expensive for dog owners.
Insurance companies will generally insure homeowners with dogs, but with certain limitations. If you own a breed that has been historically violent or unpredictable, you may have to pay an increased premium even if your dog has never shown a propensity toward biting. Some companies will lower this fee if the dog has passed an accredited obedience school.