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