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Challenges Of Homeowner’s Insurance and Dogs

Dogs are a very important part of most modern families. They can be considered children in different families. There are now also dog spas. There is no doubt that owning a dog is the standard. However, many people fail to realize that their home owner insurance policies can be affected by owning a dog. Yes, that beautiful animal that loves so much can cost you even more than dog food and leashes. Did you know that a dog’s specific breed can cause rate hikes or complete denial of homeowners’ policy coverage?

Pitbull, Doberman Pinscher, Rottweiler, German Shepherds, Chows, Great Danes, Akitas, Siberian Huskies and Wolf Hybrids are just some of the dog breeds that can induce 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. Risks are typically determined by the reputation of the breeds, the frequency of dog bites from that specific breed and whether the dog is large and capable of causing harm.

If your insurance company decides to exclude your pet from your policy or penalize you with a sharp increase in premiums, there are several options to consider. By doing just a little research, you can indicate the direction of an insurance company willing to give your pet a chance. Call your local human company or contact the state insurance commissioner for a list of dog friendly insurers. You can also consider an umbrella policy that covers what your insurance company refuses. This is a quick and easy path. Another option is to call a dog liability insurance company. This is particularly useful if the animal has a history of bad behavior. They can write policies to cover your pet that other companies are unwilling to do.

Please don’t be discouraged from owning one of these breeds. All animals deserve loving homes. Sometimes the breeds that most are afraid of becoming the best pets. Make sure to call your insurance agent and get all the details. Make sure to review your policy carefully as some companies try to rule out dog bite complaints or severely limit claims amounts. Ask if there are ways to make your pet insurable? An obedience lesson on dogs can make a difference or give you the break you deserve.

by Sheryl Drake

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