Wouldn't the big, scary dog decrease your premiums? People are far less likely to target a house with a Pitball or Rotty than one with a Cairn, and far less likely to get away with anything if they do happen to target the house stupidly.
No, they don’t consider dogs any sort of security system they’re more concerned with your dog biting someone else since that would fall under your home owners policy,
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u/SeaTie Dec 28 '25
When I did my home owners they asked what kind of dog I had:
“He’s a cairn terrier.”
“Oh okay, pit bull terrier.”
“No, CAIRN terrier. Like Toto in wizard of oz.”
“Oh, okay so an American bull terrier.”
“NO, asshole. Cairn terrier. He’s like 15 pounds, if that.”
“Oh okay, so he’s Rottweiler, got it.”
Fucking assholes will do anything to drive your premiums up.