For pet owners, especially dog lovers, man's best friend can be a liability risk for you and your insurance company. Most companies have restrictions against certain breeds, what they call vicious breeds' or breeds on the 'bad dog list'.
Some are obvious, for example, Pit Bulls, Rottweilers, and German Shepards are the top three breeds responsible for the greatest number of dog-bite-related fatalities. But other dogs may not be as obvious. For instance, a Saint Bernard, or a Great Dane may seem mild, but in fact are on this top ten list. So, as a homeowner, if you're looking to purchase a new pet, keep some things in mind:
- Some insurers may charge higher premiums for certain breeds of dogs.
- Consult with a professional (e.g., veterinarian, a responsible breeder) to find a suitable breed of dogs for your household.
- Spend time with a dog before buying or adopting it. Use caution when bringing a dog into the home of an
infant or toddler. - Consider spaying/neutering your dog (this can reduce
aggressive tendencies). - Do not play aggressive games with your dog.
- Properly socialize and train any dog entering the household.
- Immediately seek professional advice if the dog starts exhibiting aggressive or undesirable
behaviors.
And finally, advise your insurance representative when you do purchase a dog. Most insurance companies inspect the homes they insure, so thinking, "they'll never find out about my dog" is a bad idea. Be safe about your pet.
Courtesy of Sara Richards - Personal Insurance Department
