Your Dog’s Breed Plays A Role In Your Home Insurance Rates

The family dog has been a staple in American households for decades, but did you know that your dog could be negatively affecting your home insurance rates? There are specific breeds that are red flagged as “high risk” by many home insurance companies. Rottweiler, Doberman Pincher, Pit Bull, German Shepherd, Chow, Wolf Hybrid, Akita, Alaskan Malamute, Presa Canario, Siberian Husky, and Staffordshire Bull Terrier are all referred as “homeowners insurance dogs” and may yield higher home insurance rates because of their negative reputations. The easiest way to compare five home quotes to cover your dog is through our quick online quote service.

If you want to find reasonably priced home insurance rates that include your dog, then you should go online today to compare homeowners insurance quotes from a wide array of companies.

According to Financial Web, there were $365.2 million in dog bite claims in 2007. That is an astronomically large bill for insurance companies to foot. You can bet that if you have a dog that is known to inflict damage with their bite, your insurance company may hold it against you by charging you higher home insurance rates.

Most homeowners and renters policies include dog bite liability in their home insurance rates. However, that is only if your dog is included at the time you purchase your policy. If your dog is not included in your policy and is involved in an incident, your provider may take one of the following actions:

• Charge you a higher premium
• Refuse further coverage unless the dog is relocated
• Refuse to renew the policy

Be Honest And Upfront For Affordable Home Insurance Rates

It’s not just dogs; you should be honest and straight forward with your insurance company throughout the policy purchasing process. Leaving out pertinent information such as your dog, will only come back to bite you in the long run if you’re ever involved in a home insurance claims process. Talk to your home insurance agent today about if your dog’s breed will affect your home insurance rates. Talk your home insurance agent and find out the best way to avoid costly premiums related to your dog. Or you can simply fill out our short form and compare up to five quotes for home insurance right now.