Minimize

Find an Agent

Search

Get an Insurance Quote Now! Online or directly with a Member Agent.

Search Blog

Enter Keyword
Filter by Category
 

Keep Your Home Insurance Out Of The Doghouse

Did you know that owning certain “high risk” breeds such as Rottweilers, German Shepherds, and Pit Bulls may negatively affect your potential liability?
3/6/2012

When bringing a dog into your life, the last thing on your mind is probably how your breed selection will affect your homeowners insurance. Did you know that owning certain “high risk” breeds such as Rottweilers, German Shepherds, and Pit Bulls may negatively affect your potential liability?

 

Large dogs with the potential to inflict lots of damage to property are often frowned upon by insurers. However, of the greatest concern are breeds with a strong history of biting. These are most likely to be classified as “high risk” by your insurance provider. Homeowners with these particular breeds may have a hard time qualifying for a homeowners insurance policy, or may be paying higher premiums.

 

Here are some ways to avoid potential problems:

• Escape the issue entirely by adopting a mutt from your local animal shelter! Mixed-breed dogs often combine the best attributes of various breeds and result in a healthy disposition...and often healthier physical attributes as well.

• If you already have a “high risk” breed as a pet, or insist upon getting one, shop around to various insurance companies to see if yours falls within their “high risk” guidelines. Your local independent agent has access to a variety of carriers and can custom-build a homeowners policy to suit your needs.

• Regardless of breed, keep your dog securely fenced and never leave your pet alone with anyone. Teaching your dog not to bite and eliminating potential bite situations is the best way to avoid risking a liability claim.

 

“The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any policies, nor does it provide any guarantees. You should read your specific policy for a complete description of coverage.”

Share Blog Post

Comments

Comments (0)

 
Page 1 of 1First   Previous   Next   Last   

Posts

What is Firearms Liability Insurance and do I need it?

A look at the financial exposures when a law-abiding citizen is actually forced to use a gun to protect his/her self, a loved one, or their personal property

Is Primary Flood Insurance Enough? Maybe Not.

What is excess flood insurance and what you need to know about this unique product. 

Identity Theft: How to Protect and Detect

We have become so used to everyday conveniences - public Wi-Fi in our coffee shops, malls, airports and restaurants; banking in the palm of our hand and access to shopping at any hour. The on demand world we live in can be beneficial and time-saving, but can also severely damage our identity including our finances, credit and more. It’s crucial to have a plan in place for protecting your identity with active monitoring to detect any suspicious activity before it can cause long lasting effects.

Thanksgiving - a Time for Family, Turkey and… Household Fires?

The threat of fires in the kitchen triples on Thanksgiving Day. Keep your family, your home and your bird safe from harm.

Cyber-attacks and Data Breaches. Not Just for Big Businesses.

Did you know 60% of all cybercrime is directed at small businesses? In fact, According to the National Cyber Security Alliance, one in five small businesses falls victim to cybercrime each year. And of those, some 60 percent go out of business within six months after an attack.

Insurance Life Cycle Infographic

An infographic on the insurance you need for each life event

5 Ways to Lower Insurance Costs for Teens

Sticker Shock when insuring a teen driver is common, but how can you and your teen save?

What You Need To Know About a BOP

Are you a business owner? Are you, your business and employees properly insured? Learn what a BOP is and what insurance you need for your individual business.

Is umbrella insurance right for you?

Why put your assets at risk? With an umbrella policy you can protect yourself and your family with a minimal investment.

Moving soon? Why you need renters insurance!

Renters insurance covers more then just your personal belongings.

Do you have your auto insurance and home insurance through the same company? There’s a discount for that!

Get insurance discounts by bundling your home and auto coverage plus…

Why do I need to inventory my property?

Do you keep a home inventory list? These apps will help you file an insurance claim when unforeseen events occur.

Summer is in full swing – are you getting the most out of the boating season?

Boaters would argue that they take better care of their boats than do car owners of their vehicles. Are you one of them?

How does credit affect insurance rates?

Most auto and homeowners insurance companies use a type of creditscore, known as an insurance score or a credit-based insurance score, todetermine a policy cost and terms.

4 Must Know Insurance Terms

Insurance Terms 101: Why do I need to know insurance terms?

First time home buyer? Here are some tips for finding the best homeowners insurance.

Did you just buy your first home? You may have auto insurance and renters insurance, but now you need homeowners insurance. In fact, it's a requirement when purchasing a home.

Does Your Insurance Agent Have a Mobile App?

A well designed mobile app from your insurance agency can be a great tool to make your insurance life easier!

Do You Track and Document Your Home Improvements and Repairs? You Should!

Is your homeowner's policy up for renewal? Don't forget to track and document all your home improvements and repairs!

Penalty Free Super Bowl Party

If you’re hosting a Super Bowl party, you are probably already devising a menu in your head. Chips? Check. Wings? Check. Beer? Check. Lawsuits?

The Heat Is (Safely) On

Home Fires Are More Prevalent In Winter

Page 1 of 4First   Previous   [1]  2  3  4  Next   Last   
Home | Why Us | Insurance Types | Blog | Terms | Privacy | Webmaster
© 2017 SIAA Marketing, LLC.