If you own one of the riskier dog breeds you may face some big homeowner's or renter's insurance headaches, even if your dog has had no history or incidents of any kind. Not surprisingly, with the negative media attention that dogs like Pit Bulls garner when there is an attack on a person, companies offering homeowners and renters insurance are pickier than ever about which types of dogs they'll insure and which they won't. The reason is related to risk. In other words, the insurance companies don't want to deal with a potential lawsuit if someone gets bitten or hurt by your dog while they're in your home.
Home owners and renters will be greatly challenged when searching for insurance cover especially with the types of dogs they keep. When insurance companies turn you down because of your potentially dangerous dog , then you will have to find insurance companies that will provide such cover and in most cases they are more expensive. Some companies will provide such insurance cover but at higher premiums. If you try to play smart on your insurance company by not declaring a new dog in your home, you insurance company will likely deny any claims you make in the future. When insurance companies deny your claims, you could be exposed to a number of liability problems that could cost you a huge financial set back running into thousands of dollars.
Different insurance companies have set different rules when it comes to the breed of dogs homeowners can keep to qualify for homeowners insurance. Even though most companies will cover homeowners regardless of their breeds of dogs but the generally rule stipulates that breeds of dogs such as Rottweilers, Doberman Pinschers, Pitt Bulls, Wolf hybrids, and chows are dangerous to your home visitors.
To avoid insurance problems, ask your insurance agent about the breed you're considering before you buy him or her. Furthermore, if it's a rescue dog, find out if it has a biting history or was abused. And remember, once a dog injures someone in your home, you risk getting your coverage dropped. And this may make it even more challenging to secure future coverage.
If you own a potentially dangerous dog breed or you are contemplating buying one, you have to reconsider your decision because Insurance companies always look out for potentially dangerous threats around a home before they agree to offer you a Home insurance contract. There is no intention whatsoever to discourage you from buying any dog breed of your choice , but you need to contact your insurance company to ascertain if they provide homeowner cover with your special type of dog breed . If the insurance company does not provide Home insurance cover based on your special type of breed then you should be ready to pay more for an insurance company that agrees to provide home insurance cover for you.
Home owners and renters will be greatly challenged when searching for insurance cover especially with the types of dogs they keep. When insurance companies turn you down because of your potentially dangerous dog , then you will have to find insurance companies that will provide such cover and in most cases they are more expensive. Some companies will provide such insurance cover but at higher premiums. If you try to play smart on your insurance company by not declaring a new dog in your home, you insurance company will likely deny any claims you make in the future. When insurance companies deny your claims, you could be exposed to a number of liability problems that could cost you a huge financial set back running into thousands of dollars.
Different insurance companies have set different rules when it comes to the breed of dogs homeowners can keep to qualify for homeowners insurance. Even though most companies will cover homeowners regardless of their breeds of dogs but the generally rule stipulates that breeds of dogs such as Rottweilers, Doberman Pinschers, Pitt Bulls, Wolf hybrids, and chows are dangerous to your home visitors.
To avoid insurance problems, ask your insurance agent about the breed you're considering before you buy him or her. Furthermore, if it's a rescue dog, find out if it has a biting history or was abused. And remember, once a dog injures someone in your home, you risk getting your coverage dropped. And this may make it even more challenging to secure future coverage.
If you own a potentially dangerous dog breed or you are contemplating buying one, you have to reconsider your decision because Insurance companies always look out for potentially dangerous threats around a home before they agree to offer you a Home insurance contract. There is no intention whatsoever to discourage you from buying any dog breed of your choice , but you need to contact your insurance company to ascertain if they provide homeowner cover with your special type of dog breed . If the insurance company does not provide Home insurance cover based on your special type of breed then you should be ready to pay more for an insurance company that agrees to provide home insurance cover for you.
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Learn more about Square One Insurance and house insurance in Canada.. This article, Your Home Insurance Pets is released under a creative commons attribution license.
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