Insuring Your Furry Family Member
While you may be inclined to welcome a furry family member into your home without any worry about your insurance coverage, it is important that you consider dog liability. Unfortunately, homeowners with pets must think about the unpredictable nature of their pooch. Gathered is some must-know information regarding insuring a furry friend:
- Unfortunately, stereotypes carry on into the canine world as well. Breed is a strong determining factor in your insurance coverage, if you are even granted coverage for having a dog in the first place. Dogs that are grouped as “dangerous breeds,” may be cute and cuddly, but your insurer will punish you for it. These breeds include Greyhounds, Chow Chows, Dobermans, Siberian Huskies, Rottweilers, Pit Pulls, and many more.
- Even though your pet is sweet and lovable towards you, your family, and your friends, how do you think they would react if someone were threatening you? Chances are, they would react in an aggressive way and do anything to protect their master. This is why many insurance carriers will deny coverage altogether for homeowners with pets.
- By staying claims-free, you can prove to your insurer that your pup is not going to hurt anyone and keep your rates manageable. To help prevent dog bites, it is important that you are diligent in socializing your dogs with both other dogs and humans, complete the proper vaccinations, train your dog to listen, limit aggressive playing, and most importantly, teach your pet how to respect visitors.
- Each insurer and each homeowner situation is unique, which is why it is important that you contact your insurer directly to determine whether or not you can invite a furry family member into your home. It may end up being advantageous for you to obtain umbrella insurance for extra dog liability protection.
Serving Banning, Beaumont, Calimesa, Redlands, and surrounding California areas, contact Little & Sons Insurance Group for all of your homeowners insurance needs. We will help you reduce your pet liability so that you can continue living with your furry family member without a worry.