What You Must Know About San Diego Homeowners Insurance

There are many advantages to owning a home in San Diego. This city offers a great climate, gray whales, nightlife and over 80 miles of beaches that are beyond compare. Of course, everyone has their special set of reasons for living here.  Owning a home in this lovely city does mean more responsibility, and at the same time, a multitude of other benefits, including:

  • The freedom to pursue other life goals
  • A sense of stability
  • More control over life changes
  • Money saved in traveling to the laundromat

But there are things every resident needs to know in order to find the proper San Diego homeowners insurance coverage.

Your Dog and Home Insurance

Dog bites are an unfortunate, yet common occurrence in the United States. But recent data from a major insurance company found that most of these incidences occur in the state of California. A whopping 369 dog bite claims were made in California in 2010, which paid out more than eleven million dollars. Of those claims, well over 50% cited children as the victims. Because dog bites are so common, knowing how dog ownership affects your San  Diego homeowners insurance policy is important.

Breeds and Blacklisting

It's true that a large number of companies have blacklisted dog breeds which they feel pose a higher risk. As a result, those owning both a home and a dog in the city of San Diego may not be completely covered by their homeowners insurance. Disclosing your dog ownership to your insurance company is the first thing to do in order to discover whether you have liability coverage.

However, of worth noting here is that the breeds of dogs usually blacklisted are larger breeds, which have the potential to inflict a lot of damage. Many of these dog breeds also have a general reputation, which is also taken into consideration by insurance companies. Examples of high-risk breeds are:

  • Rottweilers
  • Doberman Pinschers
  • Pit Bulls
  • German Shepherds
  • Siberian Huskies

Keeping Your Guests And Family Safe

A well-trained dog can mean the difference between a good companion and an emergency room visit. And teaching the younger members of your family how to handle your dog can also go a long way to preventing injuries.

Big dogs can not only do more damage in dog bite situations, but can themselves be tripping hazards. If a dog gets excited in the home, damage can also occur in the form of broken valuables and falls. Keeping valuables out of harm's way and informing your guests about your pet can help them to be more prepared in the event that the animal becomes agitated or excited.

You may also consider placing your dog in an enclosed back yard or dog run, or tying them up securely with a leash when company comes to your home to visit.

Updating Your Policy Is Important

Many homeowners who also own dogs fail to adequately insure their home following their adoption. There are many reasons for this, one of the most common being that they want to save money on their policies. Another reason is that a homeowner may already be committed to an affordable policy and as such, is unlikely to switch.

But the truth is that, by knowingly omitting any liability, including high-risk dog breeds from your insurance application can result in your policy being cancelled entirely. This can make it extremely difficult for you to find coverage with other companies.

As well, adding a dog to your policy may, in fact, result in a negligible cost to you. And if it turns out to be expensive, you can still shop around using our site to find coverage at the best price for your budget.


When it comes to shopping for homeowners insurance, there's no need to reinvent the wheel.  We have prepared lots of useful information to help consumers locate the right provider and policy for your specific situation.

Categories: Homeowners InsuranceFinding DiscountsUseful TipsHome Owners Insurance by CityNews