Should Your Pets Influence Your Home Insurance?

Posted on: December 12th, 2013

You are probably familiar with the case of the homeowner whose insurance company refused to provide him with home insurance after learning that the man was living with two pit bulls. Although the insurance company could not prove the dogs were aggressive, it claimed that the breed is known for its aggressiveness. Therefore, they sent the man an ultimatum, urging him to give up his dogs or else he would lose his home insurance.

As it turns out, pit bulls are not the only breed which can cause you to lose your insurance. But is this fair to the dog owners? Is it fair to the dogs? After all, pit bulls may be known as an aggressive breed, but that does not mean that each individual pit bull is an aggressive dog.

In addition to this, there is an entire list with dogs which are deemed dangerous by insurance companies:

  1. Akita
  2. Alaskan Malamute
  3. Chow Chow
  4. Doberman Pinscher
  5. German Shepherd
  6. Presa Canario
  7. Rottweiler
  8. Siberian Husky
  9. Wolf Hybrid
  10. Staffordshire Bull Terrier

It is believed that these are the main dog breeds which are more likely to bite or harm their owners. However, some states in the US are already considering barring “breed discrimination” by insurers.

Homeowners have their own reasons for defending their pets. A lot of the breeds mentioned above are well-known for their guarding abilities. Therefore, the dogs actually save the insurance companies a lot of money, since they act as a natural alarm system. Whenever they feel their territory is threatened they start barking – a habit which scares most thieves off. For more information about homeowners insurance in towns such as Avon, Cleveland, Lakewood, North Olmsted, North Ridgeville and Westlake, please give the experts at Neverman Insurance a call.

What is your opinion in this dispute? Do you believe that your animal should influence your home insurance or not?

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