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Does Your Home Insurance Cover Your Dog?

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How to protect you and your dog with the right insurance policy.

While you may consider your dog part of your family, your insurance agent considers them a liability risk. Even the most well-trained dogs can bite someone when they feel threatened or are scared, which can lead to a huge liability claim. Knowing what it means to bring a dog into your house in terms of your homeowners insurance policy can help to give you the peace of mind that you deserve. Keep these tips in mind to help find the right home insurance policy for you and your pooch.

  • Take the proper precautions – insurance companies do all they can to protect themselves from any liability issues, and the more precautions that you take, the safer they will feel. Enrolling in dog socialization classes and certified obedience training or putting up the proper fencing can all help to lower your home insurance costs.
  • Compare policies – just like with any other insurance policies that you enroll in, you should always compare policies from at least three insurance companies. Make sure to let them all know what breed your dog is when comparing prices to ensure that you compare fairly.
  • Invest in a separate policy – unfortunately, some dog breeds are considered much more dangerous than others, which can leave you emptying your bank account to get the right amount of coverage. Choosing a separate dog bite liability insurance policy can help to give you the coverage that you need without breaking the bank.

When it comes to finding the right homeowners insurance policy that will provide the right amount of coverage, contact the insurance professionals at Agers Insurance Services in Oakley, California. As an independent insurance agency, we will work with you to make sure that you have the right amount of protection, all at the right price to fit your budget.