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
- Staffordshire Terriers
- Pit Bulls
- German Shepherds
Are you a homeowner in Huntington, MD, and the surrounding areas? Contact Monterey Insurance Group, Inc. today for your homeowners’ insurance policy.
Your home is the largest and most important asset that you will ever own. At the same time, it is a considerable investment that needs to be taken seriously and be properly protected. For those that are in the Calvert County area, one of the best ways to protect their home is to get a quality home insurance policy. A good home insurance policy will provide you with protection many different ways.
One of the main forms of benefit and coverage that you will get from your home insurance policy is liability coverage. When you own a home and have visitors come to your property, you will be taking on some liability for each person that arrives. If they are injured while on your property, you could be found liable and be sued. A home insurance provider will be able to provide you with liability coverage that will protect you from any lawsuit that arises from an accident that occurs at your home.
More important than liability coverage is the property coverage that you will receive. Property insurance will provide you with coverage in the event your home is damaged by a storm or other calamity. It will also provide you with coverage for vandalism, theft, and a variety of other issues that could end up costing you money. This will provide you with coverage for the home and your personal assets.
Homeowners in Calvert County that are in need of home insurance should contact Monterey Insurance Group, Inc. This insurance company is well known for providing great service and insight to ensure you fully understand what type of coverage you need. Monterey Insurance Group, Inc. will also be able to help you start a policy and get you a quote. Reach out to our offices for more information.
There are some funny assumptions people make about different regions. Just to clarify a few of them; yes, it can rain in the desert, yes, there are warm days in parts of Alaska, and no, coastal homes are not fireproof just because they’re right by the ocean.
In fact, in places like Maryland and California, it’s not uncommon for wood to dry out and become extra fire-prone due to the salt in the air and the sand’s tendency to chip away at the paint. This is why you see people putting so much effort into treating their homes and porches in Huntingtown, MD. This is also why people in coastal cities tend to wash and wax their cars once a week, because if you let that salty air build up on your auto, then you’re looking at serious rusting.
So yes, when a Huntingtown, MD residents call Monterey Insurance Group, Inc., they do so to make sure they get fire coverage as part of their home insurance plan. Even a houseboat can burn down if you’re not careful. Fire is just as likely in Maryland as anywhere else. The beach towns in America are generally not like a tropical rainforest where everything is so moist that it’s hard to start a fire without gasoline. Fire safety is just as crucial in Huntingtown, MD as it is in Arizona.
If you’re looking to buy a home insurance policy, or maybe upgrade what you have right now, it may be worth giving Monterey Insurance Group, Inc. a call. So that if a fire does take place at your home on the beach, you’ll be prepared to cover the damages. Try our online rating tool and get a quote on home insurance.
Homeowners in Maryland need insurance to safeguard their buildings interest in the event of disasters. Combining your coverage into one is more affordable than if they were purchased individually. The following are some of the components available in a home insurance policy from Monterey Insurance Group, Inc in Huntingtown, MD.
Property damage coverage
In the past, people in Calvert County insured their homes against destruction caused by fire only. However, other risks such as theft, storms, and vandalism can ruin your property as well. Insurers now include products aimed at providing coverage against such threats. A homeowner can opt for an open policy that caters for all risks unless it is excluded from the insurance contract.
This policy protects homeowners from liability against others who may become injured on your property. If any of your relatives are responsible for injuries against others, your policy may settle any damages or legal fees on your behalf. It also caters for the policyholder and their relatives against liability for accidents that occur in the home or other locations around Maryland. However, the policy does not cater for any actions done within the conduct of your job or those deliberately taken to harm others.
Medical payment coverage
This coverage caters for medical expenses for other people, apart from your relatives, injured on your premises irrespective of who is responsible. The policy may meet all reasonable and necessary medical expenses for the next three years after the accident. Monterey Insurance Group Inc. employees have details of how this coverage can benefit you and how it works.
Additional living expenses
In the event of a disaster, your Maryland home may become uninhabitable which will cause you to have to find alternative accommodations. Your policy will cater for the costs you incur in a motel or other places of accommodation. It is good to note that the insurer will only pay for reasonable and necessary additional living expenses.
If you need to get more information about home insurance, call or visit Monterey Insurance Group, Inc in Huntingtown, MD.