Homeowners Insurance - How to Prevent Your Dog from Raising Your Premium?

By Adams Bridges

Homeowners insurance is a necessity to protect your dwelling against any unforeseen perils. You have to keep your insurance rate low and make sure your pet impact on insurance at bay. Dog is man's best friend but it is genuinely wild and territorial animal. If you own a dangerous dog-breed in your place, bear in mind the following factors to avoid raising your homeowners insurance rate.

Homeowners insurance companies pay out hundreds of millions of dollars every year for insurance claims related to dog bites. About thirty percent of liability claims arising from accidents relevant to man's best friend attacks. Therefore, homeowners insurance providers tend to label you as a high-risk, if you breeding an aggressive dog breed. As a result, the insurance company may refuse to insure you against dog-bites liability. On the other hand, the majority of insurance companies opt for raising the dog-owner rates.

If you in the market for homeowners insurance. Make sure that your dog breed is covered by the insurance company before you purchase your policy. It's recommended to shop around and search online for insurance quotes to find dog-friendly insurance company. Conversely, in case you already have an insurance policy consult your agent before deciding which dog breed you will get. And to make sure your premium will not skyrocket. Due to the Insurance companies consider certain dog breeds high risk such as Pit Bull, German shepherd and Saint Bernard.

Be on your insurer good side and enroll your pet in obedience training by professional dog-trainer. When your dog completes the training course send a copy of the training certification document to your agent. This will keep your homeowners insurance premium affordable in the long run. Socialize your dog to people. The well-trained dog is unlikely to bite or attack, therefore your liability claim history will be clean. And that will lower your homeowners insurance rate and decrease you premium.

Put your dog on a leash before your visitors come into your home. Keep the children away from your dog especially your visitors' children. If you take your dog for a walk in public places keep him on a leash. In case you own a dangerous breed such as Doberman pinscher, chow-chow or Huskies use a muzzle on your pet. Hang "beware of dog" sign on your fence to avoid raising your homeowners insurance rate if your dog bites any strangers and liability claim filed against you.

Take these simple precautions and make your dog an insurance-friendly animal by training and socializing him to people. Eventually your homeowners insurance premium will remain affordable.