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Damage Caused By Pets And How It Is Factored In To Home Insurance

2010-09-28

Having a pet can greatly affect your home insurance quotes. It usually depends on the type of pet you have. A Rottweiler is not in the same category of risk as a 10 pound cat. The pet damage to your property is a worry, but many insurance companies raise the rates because millions of Americans get bitten every year. They then have to claim a portion of the health care bills to the home insurance policy. If you own a larger animal, sometimes it cannot be claimed on your homeowners insurance. You will have to purchase a separate policy to cover the damage that is caused by the animal.

There are ways to reduce your home insurance premiums even if you have a large dog like a Rottweiler. One way to lower your home insurance premiums is to take the dog to obedience class. Once you receive the certificate of completion, be sure to fax that certificate to your home insurance agent. An older dog can be considered more reliable and less of a risk. Whereas the younger dog may be considered a risk simply because of the fact that puppies are known to destroy property. Be sure to notify your agent of all the safety features you are using to keep your puppy contained when you are not at home such as: a cage, fenced in yard and special collars.

There are many people that require the help of an animal to complete their daily tasks. These types of animals may actually be considered a safety feature, and therefore, provide a discount to your home insurance quote, when the proper documentation is provided to your insurance agent. The owner will need to provide the agent with a copy of the school completion certificate. It is also a great idea to get the professional instructor to give your dog a letter of commendation.

Your furry friends can provide many amazing benefits, but they are likely to raise your home insurance quotes. When you have an animal living in your house pet damage is a fact of life. However, if you follow these few simple steps you can reduce the chances that your home insurance quotes will be negatively affected. The key is to get your animal as much behavioral training as possible. It is a good idea not to acquire too many animals because the number of animals you have can also have a negative effect on your home insurance quotes.