Dog Breed Exclusions in DE
The average cost per dog-bite claims nationwide increased 5.3% last year, according to a recent Insurance Information Institute report. This follows the trend: Over the past 15 years, the average cost rose over 103%. It’s no wonder insurance companies are looking to exclude certain dogs from policies, and according to the Delaware Department of Insurance, they can.
Regulators assert that there is no state law prohibiting a homeowners’ insurer from excluding or surcharging for certain breeds or for certain dog-related conditions – provided an appropriate rate filing has been submitted and approved. Regulators in other states, including Maryland and Pennsylvania, have different positions. Review our online resources to learn more.