Home Owners Insurance and Dogs?
My husband and I have been so annoyed by our current company, so I've be online getting quotes from bigger, better known companies (State Farm, Progressive, etc.).
We own a chocolate lab/pit bull mix that we got two months ago from the humane society. She NEVER bark except when she hears someone walking near our door. She'll budge sit by the door and growl or bark depending on how much noise is human being made. One night, some creepy person be standing in the flower bed trying to look into the living room windows. It be like 11:30pm and I had fall asleep on the couch. She started going crazy barking/growling at the window and when I tried to get up to see what it be, she wouldn't let me go essential the window. She was trying to protect me, so she kept shoving me fund to the couch and barking until the person(s) went away.
Now, one of the question for an online quote asks, "Is your dog trained for guard dog purposes?" Should we select "yes" for that one?
And does having a dog make your rate walk up or down?
Answers:
I would answer NO as you hold not had your dog personally trained for that purpose. ( it doesn't nouns like it was trained, it purely reacted) depending upon the breed of dog and if it has any past history of biting, your rates could be artificial. State farm will ask what breed of dog it is. Tell them it is a mixed breed and you know it is part lab.
Unless you sent your dog stale to "guard dog school" or something like that, your dog has NOT be trained for guard dog purposes. The answer is no.
Having a dog does NOT make your rate go up. Having a pitt bull mix dog, make you UNINSURABLE.
The only company I know of that will insure someone who owns a pitt bull or pitt bull mix dog, is Foremost Insurance - and they make you sign a dog bite exclusion on the policy, so they don't cover dog bites.
It is not true. You don't have a "trained" guard dog. Just because you resembling the dog's behavior does not make it a "trained" guard dog.
Your dog is not a trained scrutinize dog. As you describe the question, the answer is CLEARLY "no".
As for an increased rate because of a dog, That answer is Yes. Some carriers wont even insure you if you enjoy a pit bull or other breed considered to be dangerous or aggressive. Source(s): I'm a licensed insurance broker.
From what you described your dog was responding in an instinctual posture to a perceived threat. The intent of the question that you are being asked is if you enjoy taken the dog to receive formal guard dog training, i.e. as in a school or program where on earth they teach dogs to be guard dogs. From what you have stated the correct answer to this would be no. Furthermore I can pretty much guarantee that if you respond affirmatively to that press your insurance will be declined "for cause". Once you are declined by one company, other companies ask on their questionnaire if you enjoy been cancelled or denied insurance and then you will enjoy to tell them that you were decline and then you will be virtually locked out of the market or enjoy to resort to committing insurance fraud to be able to obtain a policy!
Please stop trying to buy insurance from the internet--you will not hold an agent, will not be able to receive professional advice or assistance from someone who will hold the time to see you as a person instead of just another details and you can end up with some especially serious mistakes on your insurance program that can cost you thousands of dollars in addition to the grief.
Find an independent insurance agent who will be capable of quote you with multiple insurance companies, explain all of your option and treat you with the respect that you deserve.
*I am sorry your current agent has not be giving you good service. However, I can assure you that there are oodles fine agents that will give you the service and expertise you deserve.
I hope this helps. Good Luck! Source(s): Certified Insurance Counselor, Licensed Insurance Agent & Broker for over 29 years.
Your dog is not a trained attacked dog.
Try State Farm. They cover adjectives dogs in their homeowners policies. Just tell them that you do hold one. They do not charge extra either. Source(s): http://www.statefarm.com
Insurers say when they identify dog breeds that tend to bite, it helps bring down the cost of homeowner policies. Dog owners read out their pets should be considered as individuals and the insurance approach amounts to ineffective canine profiling.
Some states are considering barring "breed discrimination" by insurers. Even the American Kennel Club has weighed contained by, arguing that some dogs save insurance companies money because the animal is a natural alarm system whose yelp deters intruders and prevents potential theft. Source(s): http://www.ratedetective.com.au/insurance/life-insurance
No, because it isn't true. In addition, they may charge you more for have a dog that might attack someone who comes onto your property.
Home insurance covers lots of different things. I don't understand adjectives the details of my policy, but my home insurance agent is always helpful. Try calling your agent or a homeowners agent surrounded by your area. http://www.easyhomeinsuranceguide.com They should be able to assist you.
Related Questions:
We own a chocolate lab/pit bull mix that we got two months ago from the humane society. She NEVER bark except when she hears someone walking near our door. She'll budge sit by the door and growl or bark depending on how much noise is human being made. One night, some creepy person be standing in the flower bed trying to look into the living room windows. It be like 11:30pm and I had fall asleep on the couch. She started going crazy barking/growling at the window and when I tried to get up to see what it be, she wouldn't let me go essential the window. She was trying to protect me, so she kept shoving me fund to the couch and barking until the person(s) went away.
Now, one of the question for an online quote asks, "Is your dog trained for guard dog purposes?" Should we select "yes" for that one?
And does having a dog make your rate walk up or down?
Answers:
I would answer NO as you hold not had your dog personally trained for that purpose. ( it doesn't nouns like it was trained, it purely reacted) depending upon the breed of dog and if it has any past history of biting, your rates could be artificial. State farm will ask what breed of dog it is. Tell them it is a mixed breed and you know it is part lab.
Unless you sent your dog stale to "guard dog school" or something like that, your dog has NOT be trained for guard dog purposes. The answer is no.
Having a dog does NOT make your rate go up. Having a pitt bull mix dog, make you UNINSURABLE.
The only company I know of that will insure someone who owns a pitt bull or pitt bull mix dog, is Foremost Insurance - and they make you sign a dog bite exclusion on the policy, so they don't cover dog bites.
It is not true. You don't have a "trained" guard dog. Just because you resembling the dog's behavior does not make it a "trained" guard dog.
Your dog is not a trained scrutinize dog. As you describe the question, the answer is CLEARLY "no".
As for an increased rate because of a dog, That answer is Yes. Some carriers wont even insure you if you enjoy a pit bull or other breed considered to be dangerous or aggressive. Source(s): I'm a licensed insurance broker.
From what you described your dog was responding in an instinctual posture to a perceived threat. The intent of the question that you are being asked is if you enjoy taken the dog to receive formal guard dog training, i.e. as in a school or program where on earth they teach dogs to be guard dogs. From what you have stated the correct answer to this would be no. Furthermore I can pretty much guarantee that if you respond affirmatively to that press your insurance will be declined "for cause". Once you are declined by one company, other companies ask on their questionnaire if you enjoy been cancelled or denied insurance and then you will enjoy to tell them that you were decline and then you will be virtually locked out of the market or enjoy to resort to committing insurance fraud to be able to obtain a policy!
Please stop trying to buy insurance from the internet--you will not hold an agent, will not be able to receive professional advice or assistance from someone who will hold the time to see you as a person instead of just another details and you can end up with some especially serious mistakes on your insurance program that can cost you thousands of dollars in addition to the grief.
Find an independent insurance agent who will be capable of quote you with multiple insurance companies, explain all of your option and treat you with the respect that you deserve.
*I am sorry your current agent has not be giving you good service. However, I can assure you that there are oodles fine agents that will give you the service and expertise you deserve.
I hope this helps. Good Luck! Source(s): Certified Insurance Counselor, Licensed Insurance Agent & Broker for over 29 years.
Your dog is not a trained attacked dog.
Try State Farm. They cover adjectives dogs in their homeowners policies. Just tell them that you do hold one. They do not charge extra either. Source(s): http://www.statefarm.com
Insurers say when they identify dog breeds that tend to bite, it helps bring down the cost of homeowner policies. Dog owners read out their pets should be considered as individuals and the insurance approach amounts to ineffective canine profiling.
Some states are considering barring "breed discrimination" by insurers. Even the American Kennel Club has weighed contained by, arguing that some dogs save insurance companies money because the animal is a natural alarm system whose yelp deters intruders and prevents potential theft. Source(s): http://www.ratedetective.com.au/insurance/life-insurance
No, because it isn't true. In addition, they may charge you more for have a dog that might attack someone who comes onto your property.
Home insurance covers lots of different things. I don't understand adjectives the details of my policy, but my home insurance agent is always helpful. Try calling your agent or a homeowners agent surrounded by your area. http://www.easyhomeinsuranceguide.com They should be able to assist you.
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