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The pets most recognized for causing homeowner’s insurance rates to skyrocket, and sometimes even making it impossible for homeowners to purchase homeowner’s insurance, are dogs. Well, not just random dogs, but certain breeds of dogs.
For example, Pit Bulls, Rottweilers, and Doberman Pinschers make it nearly, if not completely, impossible for homeowners to get homeowners insurance, much less an affordable homeowner’s insurance rate. Why? These dogs, regardless of how friendly and loyal they are to their owners, are also quite protective, and by nature, fighters. When dealing with animals, nurture doesn’t always trump nature; therefore, man’s best friend may not always be able to tell the difference between friendly visitors and dangerous intruders. What begins as a routine visit from the Avon lady could result in serious injuries, hefty hospital bills, and even a big fat lawsuit.
With that in mind, it’s no wonder why some insurance companies aren’t very relaxed when it comes to offering homeowner’s insurance to those homeowners with certain kinds of pets living in or around the home. So, if you’re a homeowner as well as a dog owner, prepare yourself for what could be a long, hard search for homeowner’s insurance.
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