Texas Homeowners Insurance Company in TX: Truck Policy and American Coverage Rates in USA

Texas Homeowners Insurance Company in TX

Here’s what your Texas homeowners insurance provider really has to say about your dog.

What Your Texas Homeowners Insurance Company Really Has to Say About Your Dogs

In an industry dominated by self interest and real life wish fulfillment, home

Could this little pup cost you thousands? Your homeowners insurance certainly thinks so.

ownership does come with its very own, heavy duty lamp. It seems like your homeowners insurance provider has an opinion on everything that has to do with your home, including (but not limited to) what kind of pets you happen to have-or, more accurately, what kind of dog you own. (Cats just don’t make the same impression.) Here’s what your Texas homeowners insurance provider reallyhas to say about your dog.

Why Most Texas Homeowners Insurance Companies REALLY Don’t Like Your Dog

Do you realize that your dog is almost the only animal you could own that would have a major affect on your homeowners insurance rates? That’s because your dog is the only house pet that’s likely to attack someone with enough force to send them to the emergency room. Statistics show that dog bites account for approximately 5% of all homeowners liability claims filed each year, with medical and legal costs totaling over $24,511 per incident. When you consider the number of families that own a dog (there are approximately 74.8 million dogs in the U.S. alone) it’s easy to see why your Texas homeowners insurance provider is thinking twice before issuing their policies to homes that have the potential to cost them far more than they’ll ever take in.

Your Insurance Company’s “Bad Dog” List

Believe it or not, your homeowners insurance company actually has a “Bad Dog” list it refers to when deciding if they’re going to issue a homeowners insurance policy and, if so, how much they’re going to charge for it. (Yes, your insurance company can and will deny you coverage for your home just because of your dog.) Even though it’s proven fact that it’s nurture, rather than nature, that decides how a dog will react in any given situation there are some breeds that seem to land themselves in hot water time and time again.

Experts speculate that it’s either because owners aren’t bothering to socialize them properly at a young age or because they are actually encouraging their aggressive tendencies. Whatever the case, if you own one of the breeds on your Texas homeowners insurance provider’s “Bad Dog” list you can expect to pay much more for your insurance policy than your cat loving neighbors regardless of how well behaved your dog might be.

The “Bad Dog” List

1) The Akita

2) The Alaskan Malamute

3)

Ownership of wolf hybrids isn’t regulated at the state level in Texas, although transport of the wolf itself is strictly forbidden; however, many municipalities and counties have local regulations. Check with yours before bringing your exotic pet home.

The Chow Chow

4) The Doberman Pinscher

5) The German Sheperd

6) The Pit Bull

7) The Presa Canario

8) The Rottweiler

9) The Siberian Husky

10) The Staffordshire Bull Terrier

11) Any type of “Wolfdog”, or wolf hybrids.

What You Can Do

While there’s nothing you can do to change your dog’s breed after the fact, there are some things you can do to boost your insurance provider’s opinion of them. First and foremost, take the time to enroll your pet in obedience school or doggy boot camp, and send their certificate of completion to your Texas homeowners insurance company. Fence in your backyard so they have plenty of room to run and are properly separated from nosy toddlers. Remember, with the proper aggravation any dog can bite. By giving them their own space you’ve already exponentially minimized the risk that a well meaning passerby will stick their hand in to “pet the doggie” without the doggie’s permission.

Finally, make sure your pet is properly socialized so an incident doesn’t occur. The longer your dog goes without attacking anyone the better it’s going to look to your insurance company-and the more chance you’re going to have of keeping your dog around for a long, long time.

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Texas Homeowners Insurance Company in TX

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