Home Insurance Quotes - Is Your Dog Affecting Your Quotes?
There as a time when the family pet wasn't something people thought about much
. Everyone had a pet. However, the huge amount of dog bites and dog attacks that are happening have changed all that. Unfortunately, the bad behaviour of other people's dogs may affect you today.While you may not realise it, if you have a dog of your own, it could be affecting your home insurance quotes. Most people never think about their dog as a problem, but since there have been so many claims because of dogs biting or attacking people, many companies will charge you more for your insurance on your home if you do have a dog.
Although you may see your pet pooch as a friendly and loving pet, chances are your insurer isn't looking at your dog that way. This is not always the case, but with many larger breeds of dogs, such as German Shepherds, Rottweiler's, Pit Bulls, and Dobermans, you may end up paying more for the cover that you need.
Statistics show that of children that are treated in the ER, dog bites are one of the top five reasons they end up being treated. There are almost 5 million Americans that are injured by dogs each year, with more than 1000 people being treated for a dog bit every single day. UK statistics may not be as high but with more media coverage of dog attacks many insurers are erring on the side of caution when providing quotes.
Since you now know that your dog could be affecting the quotes you get on your insurance, you may wonder if other pets are going to make a difference? In most cases, house pets that are smaller are not likely to cause significant damage to people. If you have a house pet like a cat, you don't need to give this information when you are applying for your quotes unless asked by the insurer.
It's going to be a bit tougher to find lower rates if you have a dog that is large. However, there are some things that you can do to get a lower rate. One thing you can do is have your dog neutered or spayed, which can help to curb aggression in large dogs. Having a dog run that your dog is not able to get out of can also help to lower your rates. Even taking your dog through an obedience school course and showing the certificate to your insurance company can lead to lower rates.
Yes, your dog could be affecting the home insurance quotes you are getting. Your rates may be higher. However, it doesn't mean you can't find a good deal. Make sure you are up front with insurance companies or they may refuse to pay claims in the future if you do not let them know about your dog. No doubt you want to keep your pet around so make sure you take simple precautions to ensure your dog is not a threat, including adding a sign to your gate warning others that there is a dog, and always keep your animal restricted to your garden.
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