Certain Pets Can Cause Higher Home Insurance Rates

There seems to always be a news story about a dog attack and most often it is a member of one of the breeds of canines that are known to be very aggressive when provoked. Your home owner's insurance provider has the right to outright refuse or terminate a policy should you own one of these pets either prior to getting a policy or after the policy is in effect.

Why is a company concerned with the type of pet you own? Because, there are more claims from people who own these types of dogs and the claims are not cheap, sometimes into the thousands of pounds for damages, liability according to the law, legal fees and medical costs. Unfortunately the dogs are racially profiled. If the dog's parentage (breed) and the breed have a history of bad behaviour, the policy brokers have the right to refuse you any type of cover.

A complete cover policy is important for those acts of nature that can happen, or fire, or water damage due to frozen pipes, but not just in case someone gets bitten on your property by a dog whose breed has a bad reputation. Your policy providers will want to know what other needs you have for cover. Understand that should you decide to keep your pet and it falls into one of the profiled categories of being dangerous, your liability cover will cost you a lot more than other types of cover. In the end, it is better to purchase enough cover, just in case.

The cost of the liability insurance may be lowered if you have had your dog trained by professional trainers for obedience and to suppress the violent nature the breed may have. As dog lovers know, the way the dog is raised makes more difference than what breed the dog is. A dog that is socialised from an early age is not often aggressive. Professional training schools will give certifications that the insurance companies take into consideration when calculating the cost of your policy.

If you are a home owner that has enough assets that you need your property protected by service guard dogs, you will need to look into a whole other field of insurances. These professional working dogs are considered a security measure in some instances, but the pets that are of breeds that are known to be aggressive are not considered security dogs.

The pet breeds should have a fenced area that protects the public and the dog from contact but allows your pet plenty of room to exercise in. Secure leashing is another way to reduce the risk factors of owning your pet. By providing these security measures it is possible to get somekeyword that cover the needs you have as well as protect you and your property from bankruptcy should a claim be made due to a dog bite.

Just as a note of interest, some exotic animals such as Anacondas, Boa Constrictors and any animal considered feral such as wolf or tiger will send your premium costs through the roof. If you are dedicated in your possession of these types of animals, it is best to check into insurances for a small zoo. There will be security requirements, such as secure caging practises that have to be observed, but the home insurance quotes would cost you way too much to provide the type of cover you will need should a mishap occur.