That’s a great question! Having a dog in and of itself might not affect your home owners rates, but owning specific breeds of dogs might. Depending upon your policy and company, there are some breeds of dogs that the insurer will deem as more of a risk to bite. That risk will affect the liability portion of your policy, and thus increase your rate. I’d advise you to contact your agent, and see if they have a pet clause in your policy, and if your dog will invoke any or all of it. Hopefully it won’t, and you will have many wonderful years with your furry companion! Thanks for asking!