Renting? “Some breed restrictions apply”


TERRE HAUTE, Ind. (WTHI) – “Some breed restrictions apply.”

Chances are, if you’re in the market for a rental property, you’ve seen these words.

And if you’re a pet owner, it makes you pause.

That’s because there are stiff rules for insurance based on a breed restriction list.

Here’s how it works.

On a homeowner’s or renter’s insurance policy, you have liability insurance.

“If a dog would harm someone in any manner, and you were found to be negligent, as the owner of that dog, you can be sued under Section E of your policy, which is the liability insurance,” said Jay Crapo of Crapo Insurance Agency, Inc.

Most insurers have a list where they won’t accept certain breeds of animals.

This is what you commonly know as the breed restriction list.

“The insurance companies have been doing business long enough what dogs have caused them problems and lawsuits in previous years. So you have an actuary sitting somewhere and an underwriter that get together and say, we don’t want this dog anymore, it’s not a profitable business for us,” said Crapo.

These policies are in place for your protection.

And the best advice?

“If you’re out, looking to buy a dog, and it could be an aggressive breed, then you might want to contact your insurance agent before you do that,” said Crapo.

“It’s safety. But really it’s profitability for the insurance company. They want to sell you the product, but they also want to make money in doing it, so they ask you maintain your home and that you not go out and buy vicious breeds.”

This insurance company has been lucky.

They haven’t had any lawsuits with the breeds that are on that list.

Certain insurance carriers will do a dog exclusion if you have one of those breeds.

To find out more about dog exclusion, check out the bonus video on this story. provides commenting to allow for constructive discussion on the stories we cover. In order to comment here, you confirm your email address and acknowledge you have read and agreed to our Terms of Service. Commenters who violate these terms, including use of vulgar language or racial slurs, will be banned. Please be respectful of the opinions of others and keep the conversation on topic and civil. If you see an inappropriate comment, please flag it for our moderators to review.

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