26 Feb 2010 Owning a Dog Could Raise Your Massachusetts Homeowners Insurance Rates
Those big, wide eyes….that cute puppy face.…that wagging tail….who can resist a puppy? If you’re like me, you can’t! It’s easy to fall in love with a puppy and want to take them home right away. But before you do, make sure to call your insurance agent and talk to them about the new addition you are thinking of making to your family.
“Why does my insurance agent need to know?”, you might ask. Well, most insurance companies have identified breeds of dogs that have a history of aggressive behavior or history of biting. And while each dog’s temperament is different, and may not follow the breed’s history, the insurance company will most likely either increase your insurance rates, or will cancel your policy as a result of owning that breed of dog.
If you’re an animal lover like I am, you probably feel that your pooch is an extension of your family, and should be considered as an individual, and not a potentially harmful canine. You can also argue that some dogs serve as protection for the home, acting like a natural alarm system by barking at intruders.
Unfortunately, the debate between dog-lovers and insurance companies continues to play out. For the time being, each insurance company has created a list of “restricted” breeds that could put your Massachusetts homeowners insurance policy at risk.
So, will your family pet cost you more on your insurance premium? Breeds most often hitting companies lists are as follows:
The above list is not exhaustive, and each company’s list may vary slightly on the breeds they exclude, so it’s best to discuss it with your insurance agent. Thankfully, some companies may allow the breed as long as the dog has successfully passed the American Kennel Club (AKC) Canine Good Citizens program.
Each dog is considered on a case by case basis so before you pick out man’s best friend, make sure to find out the history and breed of the dog, and then give your insurance agent a call. We’ll make sure you have the proper coverage and company for your dog!
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For more information about this topic, or to get answers about your current insurance situation, stop by our office in Franklin, Massachusetts or give us a call at (800) 941-3317.