What You Should Know about Home Insurance and Dogs

Dogs and pets in Dallas, TX can affect home insurance rates because even the best trained animals can be unpredictable. Insurers need to look at every risk when creating a policy, and there could be a chance that your pet poses a risk. According to the CDC, up to 4.5 million people can suffer from a dog bite each year. About 900,000 of those bites could require medical treatment. Since the liability part of your home insurance covers dog bites and helps pay for other injuries, it can lead to an increase in your premium.

The breed of your dog can be a factor in home insurance. Some insurers won’t cover dogs that can inflict severe harm from just a single bite, such as chow chows and Dobermans. It can be hard to predict which dogs are the most likely to attack, since there are many misconceptions about breed. Studies show that large dogs that are often mistaken for the ones with more attacks aren’t necessarily more likely to bite than small dogs. Greyhounds and Siberian huskies are considered calm dogs, and even Rottweilers and pit bulls have about average or below average aggression. Chihuahuas and Dachshunds are some of the most aggressive breeds. A liability claim can come from any dog breed. Speak with an agent at State Insurance Solutions if you are worried about your dog’s breed. If you have a mixed breed, don’t just guess at the breed. A DNA test can help determine the breed for insurance purposes.

If you keep quiet about your dog and don’t let your insurance company know, then if you do have a claim, they might not pay. Be sure to let your agent know, even if you think it can raise your insurance. Showing that you are claim free when it comes to your pet can be helpful.

Contact State Insurance Solutions, serving Dallas, TX, to get a quote on home insurance.