| When you get home owner insurance quotes, it is | | | | these lists. If your dog is not on this list, it does |
| best to tell the agent or broker if you have a | | | | not mean you cannot get insurance. It just means |
| dog. Many insurance companies have special | | | | your insurance will not cover anything to do with |
| policies concerning dog ownership. Having a dog | | | | the dog. |
| can raise your rates or make it impossible for you | | | | Second, there are insurers that have decided to |
| to get complete coverage on your home. | | | | look at dog risks on a case-by-case basis. These |
| It seems that insurance companies are more | | | | companies do not exclude the dog from the |
| interested in their bottom line than in man's best | | | | home owner policy unless there is a solid reason |
| friend. People sue for dog bite and attacks more | | | | to do so. They will, however, raise your home |
| often now and the cost of covering that risk on | | | | owner insurance quotes if they find that the dog |
| home owner insurance is increasing. | | | | poses any threat. |
| Overall, insurance companies paid out over $300 | | | | There are things you can do to get better |
| million in dog bite claims in 2001. More and more, | | | | coverage. |
| they see dogs as a risk they are unwilling to take. | | | | If you have a dog that is on the list of dangerous |
| They can lower their costs by not insuring people | | | | dogs, you might consider putting him in training. A |
| with dogs. They can also get more money to pay | | | | trained dog is a more controllable dog. One of the |
| claims by increasing premiums to dog owners. | | | | main reasons certain breeds of dogs are |
| There are two basic ways insurance companies | | | | dangerous is that they are breeds that need to |
| deal with dogs. | | | | be trained. If their instruction is not completed, |
| First, they have a list of dog breeds that they will | | | | they might become vicious. |
| refuse to cover. This list is based on several | | | | Get proof of your dog's training when he goes |
| factors. If that breed has been known to bite | | | | through the course. If you show it to an insurance |
| more often, it will be on the list. If it has a bad | | | | agent, it might make a difference in your quote. |
| reputation, it can also be blacklisted. Dogs can also | | | | Especially if the company covers dogs on a |
| be put on the list because of research done by | | | | case-by-case basis, it might help. |
| the company or by the Center for Disease | | | | You still may not get the home owner insurance |
| Control. | | | | quotes you think you deserve. You can get |
| Some of these dog breeds are: pit bulls, | | | | special insurance that covers the dog only. This |
| Dobermans, Rottweilers, and wolf hybrids. There | | | | frees the home owner insurance company to |
| are eight other breeds that are usually found on | | | | give you a quote you can accept. |