How Much Does a Dog Breed Increase Homeowners Insurance? 2026 Cost by Breed
Reading Time: 5 minutesHow Much Does a Dog Breed Increase Homeowners Insurance? 2026 Cost Impact by Breed Key Takeaways Average premium increase: Owning a dog adds $100–$300/year to homeowners insurance. Restricted breeds add $500–$1,000+ or trigger declination entirely Breed-specific restrictions: Pit bulls, Rottweilers, German Shepherds, Dobermans, and wolf hybrids are restricted or excluded by most standard carriers Dog […]