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How to Find Dog Friendly Home Insurance

How does owning a dog impact your homeowners policy cost? What breeds of dog generally lead to increased insurance rates or even ineligibility to gain cover? Can you find a cheap insurance even though you own a dog? Throughout America, owners of some dog breeds are being warned by insurance providers to leave their dogs if they want to have further coverage. In many of the states it is completely legal for insurance providers to ask for higher premiums depending on the dog breed. Even though there does not exist a single list that names the high risk breeds, generally German Shepherds, Pit Bulls, Malamutes, Huskies, Doberman Pinschers, Great Danes, Saint Bernards, and Rottweilers are considered as high risk breeds. Insurance providers these days act reluctant to provide homeowners insurance to owners of high risk dog breeds because 1/3 of all liability claims are filed due to dog bites. In fact, in the year 2006, insurance providers had to shell out nearly 35 million in order to provide liability cover solely for dog bites. Dog biting statistics The second biggest reason for children to visit the emergency room is injuries caused by dogs Nearly 60 percent of dog biting injuries are associated with children. Sometimes the culprit is a family dog, while at other times it is an unknown dog Every year nearly 4.7 million Americans face the wrath of dog bites Among dog attacks, nearly 50 percent are caused by Pit Bulls and Rottweilers alone Compared to a female dog, a male has the chance of biting nearly 80 percent more Most dog bites occur either inside the house that owns a dog or close to the house Homeowners insurance and risky dog owners Certain insurance providers maintain a list of dangerous dog breeds. They do not provide insurance for houses that have any of those breeds. No matter how sweet the temper of a dog, the policy remains in effect. Other insurance providers may consider each case on its own merit. Such providers are likely to consider whether a dog has bitten anyone before, whether it has been taught to attack or bite, and if the dog has attacked anyone in the past even when not provoked. If a dog has a history of biting people unprovoked, an insurance provider is not likely to provide cover. Other than that, there are insurance providers that agree to provide cover for a household even if it has a risky dog. However, they are likely to charge higher premiums for their service. Yet other insurers have the policy of asking home owners to sign a waiver form that excludes dog bites from coverage. This basically means that in case the owner wants liability cover for dog biting, he or she will need to get an additional insurance. Click this link to compare cheap dog friendly homeowners insurance from top-rated companies © Copyright RateQuotesNow.com About Us   |   Privacy Policy   |   Terms Of Use   |   Contact   |   Site Map
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How to Find Dog Friendly Home

Insurance

How does owning a dog impact your homeowners policy cost? What breeds of dog generally lead to increased insurance rates or even ineligibility to gain cover? Can you find a cheap insurance even though you own a dog? Throughout America, owners of some dog breeds are being warned by insurance providers to leave their dogs if they want to have further coverage. In many of the states it is completely legal for insurance providers to ask for higher premiums depending on the dog breed. Even though there does not exist a single list that names the high risk breeds, generally German Shepherds, Pit Bulls, Malamutes, Huskies, Doberman Pinschers, Great Danes, Saint Bernards, and Rottweilers are considered as high risk breeds. Insurance providers these days act reluctant to provide homeowners insurance to owners of high risk dog breeds because 1/3 of all liability claims are filed due to dog bites. In fact, in the year 2006, insurance providers had to shell out nearly 35 million in order to provide liability cover solely for dog bites. Dog biting statistics The second biggest reason for children to visit the emergency room is injuries caused by dogs Nearly 60 percent of dog biting injuries are associated with children. Sometimes the culprit is a family dog, while at other times it is an unknown dog Every year nearly 4.7 million Americans face the wrath of dog bites Among dog attacks, nearly 50 percent are caused by Pit Bulls and Rottweilers alone Compared to a female dog, a male has the chance of biting nearly 80 percent more Most dog bites occur either inside the house that owns a dog or close to the house Homeowners insurance and risky dog owners Certain insurance providers maintain a list of dangerous dog breeds. They do not provide insurance for houses that have any of those breeds. No matter how sweet the temper of a dog, the policy remains in effect. Other insurance providers may consider each case on its own merit. Such providers are likely to consider whether a dog has bitten anyone before, whether it has been taught to attack or bite, and if the dog has attacked anyone in the past even when not provoked. If a dog has a history of biting people unprovoked, an insurance provider is not likely to provide cover. Other than that, there are insurance providers that agree to provide cover for a household even if it has a risky dog. However, they are likely to charge higher premiums for their service. Yet other insurers have the policy of asking home owners to sign a waiver form that excludes dog bites from coverage. This basically means that in case the owner wants liability cover for dog biting, he or she will need to get an additional insurance. Click this link to compare cheap dog friendly homeowners insurance from top-rated companies © Copyright RateQuotesNow.com About Us   |   Privacy Policy   |   Terms Of Use   |   Contact   |   Site Map
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