Your Pet Dog Rover Could be a Big Home Insurance Liability

Holds LiabilityA word to the wise: keeping your pet under control won’t only prevent you from incurring the ire of your neighbors, but it could also have a significant impact on your ability to keep the homeowner insurance you have and receive good rates on home insurance quotes.

You don’t have to look far to find stories about dogs that suddenly snap, and the image of the mail carrier being chased down the street by an angry ankle-biter is one that we’re all familiar with – a real life scenario that postal workers are probably all too well acquainted with. So what does this have to do with your homeowners insurance? A lot, in fact.

Believe it or not (and you’d be better off believing it) reports of insurance companies downgrading existing customers from receiving their best homeowner insurance rates as the result of the their dog biting someone are common. In some cases, insurance companies have actually gone to the lengths of dropping customers if they have reason to suspect that the homeowner’s dog is a danger that could come back to “bite” them in the form of injury claims.

So what’s a conscientious dog owner to do? Nothing, if you already take steps to control your pet beast. But if you’re not a conscientious dog owner and your pet is the terror of the neighborhood, you’d do well to invest in an outdoor dog run, heightened property fences, or obedience classes for dear old Rover if you don’t want to see your home insurance quotes skyrocket.