Dogs are a very important part of most modern families. They can be considered children in various households. There are even day spas for dogs now. There is no question that having a dog is the standard. However, many people do not realize that their homeowners insurance policies can be affected by having a dog. Yes, that beautiful pet that you cuddle so much can also cost you more than just dog food and leashes. Did you know that the specific breed of a dog can cause an increase in rates or a total denial of coverage on your owner’s 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. Risks are usually determined by the breed’s reputation, the frequency of that specific breed’s dog bites, 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 it with a steep increase in your premiums, there are several options to consider. With just a little research, you can point in the direction of an insurance company willing to give your pet a try. Call your local humane society or contact your state insurance commissioner for a list of insurers that accept dogs. You can also consider a blanket policy that covers what your insurance company refuses to do. This is a simple and fast route. An additional option is to call a specialized dog liability insurance company. This is especially helpful if your animal has a history of bad behavior. They can write policies to cover your pet that other companies are not willing to do.
Don’t be put off owning any of these breeds. All animals deserve loving homes. Sometimes the breeds they fear the most turn out to be the best pets. Just be sure to call your insurance agent and get all the details. Be sure to review your policy closely, as some companies try to exclude dog bite claims or severely limit claim amounts. Ask if there is any way to make your pet insurable. A dog obedience class can make a difference or give you the rest you deserve.