Pets and Homeowners Insurance
There are many factors to consider before bringing a new pet into your home, including where they will sleep and what they might get into. Before you bring home your furry ball of joy, you should also make sure to consider your homeowners insurance. Since all animals can be unpredictable, no matter how well trained they are, your home insurance premiums may increase when you bring a new pet into your home.
While dogs are one of the most common household pets, they are also one of the riskiest. Dogs bite more than 4 million people each year, and almost 1 million of those cases need medical attention. Your insurance provider will take the type of animal you have into consideration when deciding how much your homeowner’s insurance premium will be.
Breed is one of the key factors that your insurance provider will use when deciding on your insurance costs. If you have a large, muscular dog that can inflict serious injury with one single bite, your premiums will typically increase much more than if you have a dog that is less aggressive and cannot inflict much harm with a single bite. Insurance providers will also look at the aggressiveness of your dog. Typically, large dogs are not any more aggressive than smaller dogs, so your insurance provider will look at your pet specifically when deciding on your home insurance premiums.
While dogs are the most common pets, they are not the only pets. From potbellied pigs to horses, your insurance company will take all of your pets into consideration when deciding on your home insurance premiums.
For all of your homeowners insurance coverage needs and to ensure that you and your furry friend are protected from any situation, contact the insurance professionals at Gee Schussler Insurance Agency in Orland Park, Illinois.
