Do Dogs Affect Homeowners and Renters Insurance Rates?
Dogs can matter when you are trying to find the best rates for homeowners insurance. Many people, who are aware that certain breeds of dogs, believe this is very unfair. However, the the rate premium is similar to a premium surcharge that insurance agents may assign to a young driver, or a person who drives an expensive sports car. Some dogs are expensive to insure because statistically, that breed has bene involved in more claims.
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Claims tend to occur when a dog bites. So dog breeds that have been involved in more homeowners insurance claims can add to an insurance premium. It doesn’t matter if your pit bull is a perfectly trained and well behaved angel. An individual dog’s history probably will never count in a homeowner’s favor, but of course if the dog does bit somebody, and a homeowner’s insurance company has to pay a claim, then that dog could count against them!
homeowners insurance premiums, dogs, pit bulls, home insurance
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