Can a Dog’s Breed Affect My Home Insurance Policy?

Do you own a pet or are you planning to get one soon? Well, you may soon be among the 65 percent of US households that have a pet according to a survey that was conducted by the American Pet Products Association in various parts of the US including Huntington, MD. Although this may be an impressive statistic, there is more to it that you need to understand, especially when you are considering to purchase a home insurance policy.

The Center for Disease Control reports that at least 4.5 million dog bites are recorded each year in the United States, and this is the primary reason why some home insurance providers such as Monterey Insurance Group, Inc. will be reluctant to offer you a policy if you own a dog breed that is considered vicious.

Why Are Insurance Companies Concerned About Your Dog?

Most families consider their dog as a member of the family. You treat your pet well and show it unconditional love. However, the insurance company is concerned about the possible dangers of having certain pets. No matter how cute your dog may be, it has the potential to attack and bite your visitors.

Even the best-trained pet dogs are unpredictable, and it is the duty of the insurance provider to look at every unforeseen risk when creating your homeowner’s insurance policy. If there is a significant chance that your dog could attack your visitors, then you need to be prepared for the consequences when it comes to obtaining your insurance policy.

Does The Dog Breed Matter?

The simple answer to this question is yes. While all dogs may appear to be angels, the truth is that certain breeds of dogs are more dangerous compared to others depending on how they are raised. Some of the dog breeds that are considered highly dangerous include:

  • Chow Chows
  • Great Danes
  • Rottweilers
  • Wolf-Hybrids
  • Staffordshire Terriers
  • Pit Bulls
  • German Shepherds
  • Mastiffs

Are you a homeowner in Huntington, MD, and the surrounding areas? Contact Monterey Insurance Group, Inc. today for your homeowners’ insurance policy.