Homeowners and Dog Insurance Challenges
Dogs are a very important part of most modern families. They can be considered children in multiple households. There are even day spas for dogs now. There’s no arguing that owning a dog is standard. However, many people fail to realize that their homeowner’s insurance policies can be affected by owning a dog. Yes, that beautiful animal you love so dearly can also cost you more than dog food and leashes. Did you know that a particular breed of dog can cause increased rates or a complete denial of coverage on your homeowners policy?
Pit bulls, Doberman Pinschers, Rottweilers, German Shepherds, Chows, Great Danes, Akitas, Siberian Huskies, and wolf hybrids are just a few of the dog breeds that can cause insurance companies to raise rates, deny coverage, or exclude from policies. Even just a mix of these breeds can often be a problem for your insurance company. The risks are usually determined by the breed’s reputation, the frequency of bites by that particular breed, and whether the dog is large and capable of causing damage.
If your insurance company decides to exclude your pet from your policy or penalize you with a steep increase in your premiums, there are several options to consider. Just by doing a little research, you can pinpoint an insurance company willing to give your pet a chance. Call your local humane society or contact your state insurance commissioner for a list of dog-friendly insurers. You can also consider a blanket policy that may cover what your insurance company denies. This is a simple and quick route. One additional option is to call a specialist dog liability insurance company. This is especially helpful if your pet has a history of bad behavior. They can write policies to cover your pet that other companies are unwilling to do.
Please do not be discouraged from owning any of these breeds. All animals deserve loving homes. Sometimes the breeds that most people fear turn out to be the best pets. Just be sure to call your insurance agent and get all the details. Make sure you review your policy carefully as some companies try to exclude dog bite claims or severely limit claim amounts. Ask if there are any ways to make your pet insurable? A dog obedience course can change everything or give you the break you deserve.
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