3 Tips For Preventing Your Dog From Increasing Your Homeowners Insurance Rates

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Insurance 101: Tips and Tricks to Choosing the Right Policy

Since my parents always added me to their auto insurance policy when I was a teenager, I never learned how to make educated insurance policy decisions. When I moved out of my parents house at the age of 25 and it was time to get my own policy, I was overwhelmed with all of the decisions I had to make. Thankfully, my parents were eager to teach me what each insurance coverage option meant and what the best choices were for me. I learned a lot about insurance during this experience, and I am eager to share what I learned with others on my new blog. I also plan to include many tips on choosing health and homeowners insurance policies, so check back often if you want to learn a little more about insurance!


3 Tips For Preventing Your Dog From Increasing Your Homeowners Insurance Rates

1 November 2017
 Categories: Insurance, Blog

When you think about the cost of owning a dog, you might think about the cost of things like buying a dog, buying dog food, and paying for vet bills. What you might not realize, however, is that your dog can cost you money in other ways that you might not have even thought about as well, such as by causing your homeowners' insurance rates to go up. These are a few tips that can help you prevent this from happening or that can help you ensure that the increase is minimal.

1. Choose the Right Breed

If you don't have a dog yet but are thinking about getting one, you may want to be careful about the breed that you choose. Some homeowners insurance companies consider certain breeds, such as pit bulls, to be "vicious." If you adopt or buy a dog from one of these breeds, your homeowners' insurance company could cancel your policy, or you could face serious increases. The list of breeds varies from company to company, so you may want to call your homeowners' insurance agent first to ask. Then, you can avoid certain breeds that would cause issues with your homeowners' insurance company when you do choose a dog to take home.

2. Make Sure Your Dog is Secured

Your homeowners' insurance agent might ask about whether or not your dog is secured when it is outside since a well-secured dog can be less likely to cause problems for others. Consider installing a sturdy fence for your dog and posting a "Beware of Dog" sign. Not only can this make your insurance agent happy, but it can also protect you from liability, protect others in your neighborhood from being bitten and can help you keep your dog safe.

3. Ensure Your Dog is Well-Trained

If your dog bites someone, you could face a lot of serious consequences because of it, including lawsuits and homeowners insurance increases. Therefore, it's a good idea to make sure that your dog is well-trained and well-socialized so that you can prevent this type of problem. There is a lot of information online that can help you with this, or you can hire a professional dog trainer to help.

As you can see, there are ways that you can avoid a homeowners insurance rate increase because of your dog. Plus, following these steps can help make dog ownership a little bit easier for you in other ways as well.