Will Your Canine Affect Your Homeowners Insurance Policy?
Retrieving Homeowners Insurance Is Tricky For Dog Owners
If you are a dog owner, then you know how important it is for your canine to be part of your family, and for them to play a positive role in your homeowners insurance policy. Unfortunately, not all homeowners insurance companies feel the same way. In fact, many of them have place higher premiums on dog owners for owning specific breeds, according to Bankrate.com. In some instances, some insurers have even disqualified people from receiving homeowners insurance, just because their canine was deemed dangerous. To get five quotes on a new homeowners insurance policy to cover you and your pets, use our simple online quote service. The debate over “breed discrimination” by homeowners insurance still rages on, and until it is settled, you must be aware of what breeds are considered dangerous to homeowners insurance companies for liability reasons. And most importantly, it will help you estimate the price of your insurance quotes, based on your canine’s overall reputation.
Canines Affecting Homeowners Insurance PoliciesNow that you know the factors that determine if your dog will negatively affect your homeowners insurance policy – or disqualify you from receiving one – here is a list of the most common dog breeds that are seen as high-risk to many homeowners insurance companies, according to Bankrate.com:
- Alaskan Malamute
- Chow Chow
- Doberman Pinscher
- German Shepard
- Pit Bull
- Presa Canario
- Siberian Husky
- Staffordshire Bull Terrier
- Wolf hybrid.
Getting Homeowners Insurance With A Dangerous DogIf you are the owner of anyone of these dog breeds, you may find that searching for insurance quotes for your home to be a difficult process. However, it doesn’t mean that you will be able to find a good homeowners insurance policy. Here is some advice to get affordable homeowners insurance, even with a dangerous canine breed:
- Shop around online for homeowners insurance quotes in your area
- Comparison shop from several different insurance agencies
- Ask for discounts
- Raise your deductible
- Continue to check your homeowners insurance policy for any gaps in coverage on a yearly basis.
- Make your search easier by compare up to five quotes online to find the lowest rate