The pandemic truly brought a whole new set of challenges before us. As consummate frontline workers, physicians have faced, and continue to face, this global crisis head on. And like so many people they sought comfort for themselves and their families as best as they could. Perhaps they added a new pet to the family. Maybe they improved their backyard with a pool. Or with so many extracurricular activities limited or canceled, perhaps a new trampoline was added to the yard. Although all of these choices could improve life, they could also potentially be sabotaging your homeowner’s insurance.

In the doghouse. Did you know that your homeowner’s insurance policy probably has a liability provision that will cover legal expenses if someone injures themselves or has their property damaged in your home? According to Policy Genius, this coverage can be compromised if you have a breed of dog that isn’t covered by the insurance policy. Certain dogs breeds are considered more prone to bite or to damage property and are, therefore, too high a risk for an insurance company to take on. Some breeds that are usually put on the list include: Staffordshire terriers, Doberman pinchers, chow chows, Akitas, Alaskan malamutes, Siberian huskies, pit bulls, Great Danes, rottweilers, German shepherds, and any wolf breed.

In the deep end. To avoid crowded public beaches or pool clubs, many people, including physicians, bit the bullet and installed a pool in their yards. If you didn’t check with your insurance policy provider, it may be a good idea to reach out to see if your coverage will extend to this new addition. Ask if the inclusion of a diving board or slide is cause for concern. Some policies will not cover these extras.

A bumpy ride. Pretty much every big box store carries trampolines. They are easy to install and a seemingly innocent way to get your kids to exercise, but you should be aware that they are considered to have a great risk of injury according to the Cleveland Clinic and many other healthcare authorities. In terms of homeowner’s insurance, rules of coverage vary greatly. As explained by, you may need or want to purchase a personal umbrella policy or increase the limits of your liability.

Anytime you make a change to your home that may incur greater risk to your family or visitors, call your insurance representative to review your policy. It’s better to manage risk before an accident happens.