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Canine Liability Exclusion

Definition

A homeowners policy exclusion that precludes personal liability and medical payment losses for canines described in the endorsement schedule that are owned by or in the care, custody, or control of an insured. It specifically excludes bodily injury or property damage arising out of direct physical contact with the described canine. The need for this endorsement arose because many insurers were reluctant to insure home owners who owned or had control of certain breeds of dogs they considered aggressive, such as chows, Doberman pinschers, Rottweilers, husky types, malamutes, German shepherds, pit bulls, or wolf hybrids/wolf dogs; or insureds who owned dogs with a biting or clawing history.

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