It’s not that Florida insurance companies don’t like dogs. It’s not that at all. It’s that some dogs are huge bite risks. Why does that matter? When a dog bites, the risk is that the victim will have medical bills. A claim might be filed and the insurance company might have to pay. If the victim sues, it’s an even worse scenario for the insurer and for you.
But none of these are happy scenarios for an insurance company. That’s why they keep data on which dog breeds are the biggest bite risks. That statistic is based on the number of claims filed per breed. It’s a fact that some dog breeds are responsible for more homeowner insurance claims than others. And while https://floridainsurancequotes.net/florida-homeowners-insurance/ says there is no “standard” list, the fact is that they all know which breeds are large risks. Here are some of them:
- Pit bull or Staffordshire terrier
- Chow chow
- German Shepherd
- Great Dane
There are other risky breeds, too, and they—or mixes that include them—can get in the way of you getting low-priced Florida homeowners insurance quotes from someone, And that’s not good news for you. Because you have bills to pay and don’t need a premium higher than you can afford.
Maybe you want to be clever and not tell your insurer about Fido’s breed. That’s a bad idea. Should Fido bite someone, you will probably be liable for the medical bills because you failed to disclose key information. Your scenario could be even worse—the victims could sue.
Now, some insurance companies will still give you a policy according to https://floridainsurancequotes.net/florida-homeowners-insurance/. It might be a higher priced policy than given to those who do not have such dogs. But other companies refuse to ensure households with bite risk dogs in them. Even if it costs you more in higher premiums, disclose your dog breed when asked while getting your Florida homeowners insurance quotes. It’s a protection against being decimated financially.
If you’re thinking about getting a new dog and want one of these high-risk breeds, check in with your agent to discover how much your insurance might go up. After talking to him her or her, you may just decide on an Irish setter, instead.And of course, appreciate the doggy kisses your very sweet Malamute gives you when he sits next to you on the sofa. Those may be some pretty expensive kisses!