Unacceptable Dog Breeds in Florida — The Shocking Truth About Home Insurance & HOA Rules

Unacceptable Dog Breeds in Florida — The Shocking Truth About Home Insurance & HOA Rules

Are you a Florida homeowner or condo buyer with a dog? You might be surprised to learn that some breeds are considered “unacceptable” by insurance companies and HOAs. In this video, Allen Hovis — a licensed real estate broker, contractor, and insurance agent — breaks down which dog breeds may affect your home insurance or HOA approval in Florida.

You’ll learn why certain breeds are restricted, what the Pam Rock Act means for dog owners, and how to protect yourself and your pet from unexpected coverage denials. Whether you’re buying a new home, renewing insurance, or just want to understand Florida’s evolving pet laws, this video will help you make informed decisions.

Watch till the end for practical advice every Florida dog owner should know!


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About Allen Hovis:
Allen Hovis is a Florida real estate broker, contractor, and property insurance agent helping homeowners and buyers navigate the Florida housing market with confidence.

📞 Contact Allen Hovis
Visit my website: https://www.allenhovis.com/
Phone: 941-780-6567

Don’t forget to Like, Comment, and Subscribe to Allen Hovis for more real estate and home insurance tips!

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Timestamps:
00:00 – Introduction to the channel
00:27 – When your homeowner’s insurance won’t cover your dog
00:50 – HOA pet and breed restrictions explained
01:24 – How insurance carriers handle dog breed restrictions
02:05 – Florida’s new “Pam Rock Act” for dangerous dogs
02:46 – Why insurers exclude certain dog breeds
03:19 – Finding coverage and comparing insurance companies
03:53 – What to do if you can’t find insurance coverage
04:28 – Importance of animal liability endorsement
04:50 – Final advice and closing remarks

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