How Owning a Dog Affects Your Home Insurance

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How Owning a Dog Affects Your Home Insurance

Learn how being a dog owner can affect your home insurance.

While you know that your dog brings joy and happiness to your life, insurance companies must view pets in relation to the risks they pose.  Even the best-behaved dogs can still be unpredictable, and this translates to a certain amount of risk.  Learn how your pup could affect your home insurance coverage.

Why does my home insurer care about my dog?

While your home insurance covers the cost of damages to your home, it also provides personal liability coverage for certain incidents that might occur on or off the insured premises.  This includes coverage for injury caused by a dog bite.  This is why insurance companies consider dogs as perils.  If you own a dog, then you are technically incurring a certain amount of risk.  This increased risk could result in higher premiums and, in some cases, denied coverage.

Does breed matter?

Unfortunately, breed is one of the main factors that affect home insurance coverage for dog owners.  Many insurers will refuse to cover dogs that are deemed “dangerous.”  Normally, large, muscular dogs with powerful jaws, such as Dobermans, Pitt Bulls, and Siberian Huskies, fall into this category.  While many studies have shown that large dogs are not more likely to be aggressive than small dogs, the stigma against large dogs remains.  As a result, if your dog is deemed “dangerous,” you might have higher premiums, be required to take extra measures (such as muzzling your dog or taking them to obedience class), or be denied coverage altogether.

How can I reduce my risk?

The best way for pet owners to reduce their coverage costs is by staying claim-free.  That’s why it’s important to train your dog.  The best way to ensure that your dog isn’t aggressive is by socializing your dog from an early age.  Make sure he or she feels comfortable around other people and other animals as well.  Make sure that your dog is up to date with all their vaccinations, especially their rabies vaccination.  Additionally, it’s important that you keep your dog on-leash when you go out.  Finally, make sure your visitors respect your dog’s space when they are eating, drinking, sleeping, and going to the bathroom.

These are they ways in which having a dog can affect your home insurance.  If you have more questions regarding your pet and your insurance, contact the experts at Grand Oak Insurance Agency.  Located in Arcadia, California, our team is ready to assist you with all your insurance needs.

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