How Your Dog Affects Your Homeowners Insurance in Hudson, NY

Dogs & Homeowners Insurance in Hudson, NYEven if your dog is all bark and no bite, he or she could chew up your homeowners insurance in Hudson, NY.

Insurance companies look at dogs as an added liabilities. The type of dog that you have may affect your chance of getting affordable homeowners insurance in Hudson, NY, or insurance at all.
The reason that home insurers don’t like dogs is simple; dogs can bite or attack people and do so from time to time. According to the Insurance Information Institute, one-third of all liability claims for homeowners were dog bites in 2012!
Insurance companies actually go off of the average reported number of bites for each breed of dog to determine if the breed you have is more or less likely to bite or attack someone.  Statistics on bites change from year to year and depending on location. Dogs who have topped the charts in the past are Dobermans, Pit Bulls, and Rottweilers. The Presa Canario is also said to be an aggressive breed.
Just because some dogs have bitten people isn’t necessarily a reason for insurance companies to deny people insurance or make premiums for dog owners astronomical.  If you want to own both a dog and a home, it doesn’t mean that you have to miss out. You just need to weigh the risks when picking your pooch and choose the one that’s best for your family. There may be dogs that are better for small children, better if you are gone for long hours during the day, and best if you don’t have that much time to train your dog or take him or her to obedience school.
Be careful about hiding a pet from your insurance agent! That is considered insurance fraud and it can create a problem if you need to make a claim, whether it includes your pup or not.
If you’re a dog owner hunting for affordable homeowners insurance in Hudson, NY, contact Lofgren Agency today.

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