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Dog Breed Exclusions in DE

May 1, 2019
1:45 PM

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.

Review our resources