Are you a homeowner? Do you keep a dog as your favorite pet? Have you ever asked yourself how it affects your home insurance? Well, you may already be aware of various factors that affect your homeowner’s insurance policy quotes, but you might not have thought of your dog as one of them. However, the truth of the matter is that keeping a dog as your pet affects your home insurance quotes and in some cases, it can even prevent you from being insured.
Believe it or not, dog bites account for approximately one-third of all the insurance payment in Chandler AZ and all over the United States. This is the primary reason why some home insurance policy providers such as San Marcos Insurance Group will discriminate against some homeowners when it comes to underwriting homeowners insurance policies.
How Does the Dog Breed Affect Your Homeowners Insurance Policy?
You need to remember the fact that your policy covers any damage caused by you or one of your family members to third parties. Your dog is considered as one of your family members, and the insurance policy may be partly liable for the cost of claims raised against you when your dog bites someone. Keep in mind that some there are certain times when your dog might get too aggressive no matter how well it is trained. Furthermore, some dog breeds tend to have strong jaws that could cause severe harm to a person if the dog is provoked.
Which Dog Breeds Are Mostly Blacklisted by Insurance Companies?
While some dog breeds will affect your home insurance policy by driving up premiums, others are entirely blacklisted, and no provider will be willing to insure you if you have such a dog breed. You may not be offered coverage if you own any of the following dog breeds:
- German shepherd
- Any wolf hybrid
- Pit bull-type breeds
Are you a homeowner in Chandler, AZ? Contact San Marcos Insurance Group today for a customer-friendly home insurance policy.