Global Courant
Dogs are a very important part of most modern families. They can be considered children in different households. There are even day spas for dogs now. There is no question that owning a dog is the norm. However, many people don’t realize that their homeowners insurance policies can be affected by owning a dog. Yes, that beautiful animal that is so precious can also cost you more than just dog food and leashes. Did you know that a dog’s specific breed can lead to increased rates or 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 them from policies. Even a mix of these breeds can often be a problem for your insurance company. The risks are generally determined by the reputation of the breed, the frequency of dog bites by that particular breed, and whether the dog is large and can cause damage.
If your insurance company decides to exclude your pet from your policy or penalize you with a hefty increase in your premiums, there are several options to consider. Just doing a little research can point you in the direction of 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 an umbrella policy that can cover what your insurance company denies. This is a simple and fast route. An additional option is to use specialized dog liability insurance. This is especially helpful if your animal has a history of bad behavior. They can write policies to cover your pet that other companies won’t do.
Please don’t be discouraged from owning one of these breeds. All animals deserve loving homes. Sometimes the breeds that most fear turn out to be the best pets. Be sure to call your insurance agent and get all the details. Be sure to read your policy carefully, as some companies try to exclude claims for dog bites or severely limit claim amounts. Ask if there are ways to make your pet insurable? A dog obedience class can make all the difference or give you the break you deserve.
Insurance challenges for homeowners and dogs
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