Does a Dog Flap Affect Home Insurance? (Solved & Explained!)

Yes, a dog flap door is very likely to affect your home insurance, so it is vital that you contact your insurance provider before you install any type of dog door.

The problem from the insurance perspective is that these doors can reduce the integrity of existing doors or walls and that they are often considered a security risk as well. Not all providers will require an additional premium or void your coverage if you install one, but you need to check.

Failure to do so could result in denial of a claim in the future, so check with your insurance provider and let them know that you want to install a dog door and need to know if additional premiums or coverage options will be required to remain fully insured.

In today’s article, we’ll talk a little more about insurance and security concerns when it comes to installing a dog door in your home. Read on for important information that you need to consider before installing that door – you’ll be happy that you did!

Why does a dog door affect my insurance?

Whether or not your insurance is going to be affected is up to the individual insurance entity. That said, many insurance providers believe that installing a dog door creates a security risk, enough so that your chances of making an insurance claim will be higher if you have one.

You need to verify with your provider if this is the case with their insurance. In some cases you may need to pay additional premiums in order to ensure full coverage for your home after installing a dog door. Be sure to check before installing – you don’t want to make a claim later and have it denied!

Can a brick dog wall door affect my insurance?

Yes, a brick wall dog door can affect your home insurance, although this is going to vary from provider to provider. Typically, these types of doors are leading outside and as such, this makes them a bit of a security risk from the perspective of your insurance company.

There is also the question of the installation.

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If you install it yourself and damage this home, this will likely not be cover, so it is important to go with a professional for the install but even before that, you want to make sure to check with your insurance company to see if your premiums or overall coverage will be affected.

Will my insurance be affected with a microchip door?

While a microchip door will lock and unlock based on whether or not your dog is nearby, this doesn’t mean that the door is still not considered a home security risk by your insurance company. Microchip doors will certainly help to keep animals out, but they may still be easily compromised by determined burglars.

Check with your provider before installation and ask if there are any steps that you can take in order to negate the need for extra coverage. Your company might simply require upgraded security, but you will need to ask your provider to be certain exactly how the door is going to affect your coverage.

Is a dog flap a security risk?

Yes, a dog flap door is considered to be a security risk. With an unsecured flap, you basically have a portion of the door that is merely vinyl, so animals can get in and human burglars may try to wiggle through or reach in to simply unlock the door.

As such, additional security steps such as hiding the door, installing an alarm, or adding cameras and motion sensors in the area are a good idea to help prevent your dog flap door from being exploited.

Do burglars really make use of dog doors?

Burglars will often identify and attempt to make use of dog doors if they believe that the pet and their family are not at home. With a large dog door, a small burglar might be able to simply wiggle through and get inside, or a larger burglar might be able to reach in and unlock the door.

Some burglars will make use of tools, such as a pole with a hook that they can push through the door in an attempt to ‘fish’ for nearby keys. As such, additional security is a good idea if you are installing a dog door.

Can coyotes use dog doors?

Another potential problem with dog doors is that animals like Coyotes can and sometimes do try to use them. There have been news reports from California, for instance, where Coyotes were able to get in through a dog door to harm or even kill the family dog.

Locking doors, such as microchip doors, can help to reduce the chances of this and motion sensor lights can also help to keep a curious Coyote away, by making them think that someone is inside.

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What can I do to improve the security around the dog door?

Installation of cameras is ideal and these days it is fairly inexpensive. If that is out of the budget however, motion sensors are another inexpensive option that can turn the lights on when movement is detected.

Aside from this, one simple way to help avoid the dog door being exploited is to hide it from casual view. A large, potted plant place on the porch can often obscure a dog door from view, and while this is not a guaranteed form of security it can definitely help to reduce chances that the door is noticed.

People also tend to listen for dogs before trying to exploit a dog door, so security options that will play barking sounds while you are gone are another highly effective tactic that you might consider.

Is a wall door better than one that fits in a door?

Wall doors are easier to install and tend to be longer lasting, especially if you use strong materials such as dog door kits with aluminum framing. One of the biggest problems with a dog door that fits into an actual door is that it will reduce the overall integrity of that door.

As such, wall doors should be considered as an alternative or if you have a glass patio door, you can even purchase special panes that will replace one of the current glass panes and which already has a door built in.

Are there alternatives to standard dog doors?

Yes, there are a few alternative so the standard ‘dog door you install in a door’ model. You can put dog doors into walls, for instance, and there are also ‘screen door’ doggie doors that you can purchase so that you don’t have to install one in a glass patio door.

Glass patio doors don’t always have to be modified, however, as you can purchase a pane with a dog door built in, so that you remove the old pane and store it and slide the new right in.

This is a great option for those renting a property who want a dog door but do not want to risk damage to the rental property installing it or during normal use.

Can I install a dog door into a security door?

While you could, it’s not a good idea. Installing a dog door into a specialized door such as a security door or a fire door typically reduces the integrity of that door, often to the point of voiding its warranty or making it officially ‘out of compliance’ with the standards that it designed to meet.

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It is better to install the door in a standard door or wall to avoid this possibility.