It depends on the breed and the specific carrier. Most Southeast personal umbrella carriers exclude bites from a defined list of breeds — commonly Pit Bull, Rottweiler, Doberman, Presa Canario, Wolf-hybrid, and Chow. If your household has one of these breeds and you do not disclose it before binding, a claim after a bite incident will typically be denied under the material misrepresentation provision.
Because dog bite exclusion is one of the most common umbrella coverage disputes in the Southeast, we verify breed disclosure on every umbrella quote. Rules and excluded breed lists vary slightly across Mississippi, Alabama, Louisiana, Florida, Tennessee, North Carolina, and Georgia. For general dog bite liability rules see the III.org dog bite liability overview. Disclose breeds and get bindable coverage at bridgewayins.com/quotes or call (877) 418-2484.
