Large pets, particularly large or notoriously aggressive dogs, can affect your homeowners insurance premiums.
Large pets can be considered a risk to insurance companies because if anyone is injured while on your property due to that animal, the insurance company may have to pay for that person’s medical bills. Typically, anyone who owns a dog breed, which insurance companies say tend to bite more, can face limited or no coverage.
According to the insurance industry, there are eleven breeds that make many bad dog lists. These include Rottweilers, Siberian Huskies, Pit Bulls, Chows, Presa Canario, Akitas, German Shepherds, wolf hybrid breeds, Staffordshire Bull Terriers, Doberman Pinschers, and Alaskan Malamutes.
Many dog owners argue that their pets should be free of discrimination and should be treated as individuals. Some states have considered barring insurers from making determination based on breeds because of the natural advantage these dogs have for deterring trespassers and potential burglars.
Homeowners insurance can often be confusing because many homeowners don’t always fully understand how insurers determine what to charge for premiums.
Once you understand how these premiums are calculated, you can proactively work with your insurer to lower you premium. What an insurance company does when they determine your rates is assess their risk in insuring your property.
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