Dogs are a very important part of most modern homes. They can be considered as children of several families. There is now a day spa for dogs. There is no doubt that owning a dog is standard. However, many people are unaware that their homeowner insurance policy may be affected by the possession of a dog. Yes, cherishing such precious and beautiful animals will cost you more, not just dog food and belts. Do you know that a particular breed of dog may result in an increase in your homeowner policy rate or a full coverage refusal?
Bulldogs, Dobermans, Rottweilers, German Shepherds, Chows, Great Danes, Akitas, Siberian Husky and Wolf Hybrids are just one of the breeds that may cause insurance companies to raise interest rates and refuse to cover or exclude policies. Small part. Even just a mix of these varieties often becomes a problem for your insurance company. The risk usually depends on the breed's reputation, the frequency of dog bites for a 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 if you are penalized for a substantial increase in insurance premiums, there are several options to consider. By doing a bit of research, you can point out the direction of an insurance company that is willing to give your pet a chance. Call your local humanitarian community or contact your local insurance commissioner to get a list of insurance companies that are suitable for your dog friend. You can also consider an umbrella policy that covers your insurance company's refusal. This is a quick and easy route. Another option is to call a specialized dog liability insurance company. This is especially useful if your animal has a history of bad behavior. They can write policies to cover pets that other companies are not willing to do.
Please don't be discouraged to own these varieties. All animals deserve to have a love home. Sometimes most fearful breeds are the best pets. Be sure to call your insurance agent and get all the details. Be sure to review your policies carefully as some companies will try to rule out dog bite claims or severely limit the amount claimed. Ask if there is any way to get your pet insurance? Dog obedience can play an important role or give you the rest you deserve.
Orignal From: Homeowner insurance and dog challenge
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