Does your current insurance policy cover your dog? Good question to ask your insurance agent! This post was written by Dorie Dillard of Austin, TX. However, it doesn't really matter what state you're in. This post applies to every state.
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Does Your Current Insurance Policy Cover Your Dog?
Wow..I learned something in our sales meeting this week from Ted Heaton with State Farm Insurance. Did you know your policy could be immediately cancelled or not renewed if your insurance company is not aware you own a “dangerous” dog?
What is a dangerous dog?
According to most insurance companies the following are the most common “Dangerous Breeds” or “Blacklisted Breeds”:
1. Pit bulls & Staffordshire Terriers
5. Great Danes
6. Presa Canarios
8. Alaskan Malamutes
9. German Shepherds
10. Siberian Huskies
Or a mix of any of the above
If you’ve been insured with the same insurance company for years, don’t assume your policy includes coverage for your dog(s). Insurance companies regularly modify what their policy will cover (and not cover). Your company may not know you have a “dangerous” dog.
Ted explained they can help you with a policy if your dog falls into the following categories:
A public nuisance
A policy can even cover when you are away from the house which might be a good thing if your dog(s) falls into any of these categories.
Rules on which dogs an insurance company will cover and which they won’t, will vary from company to company. Some companies will cover almost any dog. But as a general rule, insurance companies tend to resist covering the above 11 types of dogs or any mix of these breeds. It’s best to do your research on insurance before making a decision on acquiring a dog(s). Better to be safe than sorry!
All insurance companies encourage responsible behavior and caution around dogs. Might be time to check your current insurance policy to see if your dog(s) is covered!
If you are reading this post and have a home to sell in NW Austin I would be happy to help you. I have systems in place, references and am a good listener and communicator. I would be honored to schedule time to see if we are a good match. Let me put my expertise to work for you. Call me at 512-346-1799.
“WE ARE ALWAYS HERE TO ASSIST YOU!”