Arizona dogs and home insurance

Categories Home Insurance

arizona-dogs-and-home-insuranceWhat do these large dog breeds have in common?

Doberman

Akita

Presa canario

Pit Bull

Great Dane

Malamute

Husky

German Shepherd

Rottweiler

Wolf-hybrids

Dog owners who count these breeds among their fur kids may have a hard time getting dog bite coverage when they seek low-cost Arizona home insurance quotes.  That is because they are considered at high risk for dog bites.

“No way!” you may be thinking. “My dog is sweet and would never bite!” Think again:

This assessment was made after data was collected on claims filed for dog bites and patterns were seen. Since policies are about risk—the probability of claims. Based on actuarial data, owners of these breeds may find it difficult and in some cases, impossible, to get covered for dog bite liability.

Some companies will not write these policies at all. Others will, but for a higher premium. Still others require the dog to be taken through training or even muzzled before will write a policy.

If you think that a mixed breed will face a different scenario, it may not be true. If your Heinz 57 variety mutt adopted from the local animal shelter has one of those breeds in the mix, you may have the same problem.

Dog bites can mean big bucks in claim payouts. Some bites cause infections and sometimes that infection can be hard to treat, requiring hospital stays. In our litigious society there is always the chance of lawsuit, as well.  Insurers make business decisions that are in their best interests, and this is one of them.

You need to make decisions, too, because if your dog bites someone and you do not have a policy to cover it, you will end up paying out of your own pocket. Is it worth it to you? Only you know the answer to that question.

So, if one of these breeds is a member of your family, compare how different companies handle covering dog bites. Not every company is super-stringent and it may be possible to find one that will cover your situation.

These are decisions that you should make well in advance of getting a dog, but that is not how most of us think. Few of us have even considered the consequences on our ability to get coverage. That’s why it is so important to look carefully at your options.