Tag Archives: liability insurance

Importance of Liability Coverage For Pets on Homeowners Insurance

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Your cute little puppy is a great addition to the family. Your new bouncing bundle of joy puts a smile on your face until you find him happily chewing on your shoe, or the leg of your chair. This you can control, but what about when your puppy gets bigger and decides to tear up your neighbors flower bed or possibly bites someone?

As much as we train and love our pets, we do need protection for the the not so proud moments that can happen. It is a good idea to be vigilant about your dog’s interactions with visitors to your home. Typically, the liability portion of your home insurance coverage should cover the actions of your pets if they damage items that you don’t own or if they injure people who do not live in your house.

Be aware that there are certain types of pets that can make it difficult to obtain home, renters or condo insurance. Dog bites make up one-third of all homeowner insurance liability claims, according to the Insurance Information Institute, and last year dog bites costing nearly $571.3 million and accounted for more than one-third of homeowners insurance liability claims.

You can purchase home insurance protection for your pets indiscretions for most types of domestic pets. Some insurance companies will provide you a list of certain types of dogs that they may consider not insurable. What they are basing their information on is the breeding history, temperaments and the risk factors. So, if a particular dog breed has a documented history of attacks or bites, some insurance companies may consider this risk to be too high, thus causing the company to deem the breed un-insurable.

Common dog breeds that are often not considered insurable include:

* Akita

* Alaskan Malamute

* Chow Chow

* Doberman Pinscher

* German Shepherd

* Pit Bull

* Presa Canario

* Rottweiler

* Siberian Husky

* Staffordshire Bull Terrier

* Wolf hybrids

Exotic animals, such as snakes, tigers, etc., also may fall in the un-insurable category. Check with us today to see if owning any of the pets above has limitations. It is actually a good idea to check when choosing a pet to bring into your home.

When you apply for home insurance, disclose information about any pets you have to ensure your policy will properly cover you involving your pet.

Have Questions? Need a quote? Call us today to get your questions answered 1-863-453-3903 or visit our website.

 

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Why Homeowners Insurance Comes In Handy When You Have Guest Visiting

id-10034403It’s exciting when family or friends you have not seen for a while comes or a visit. You take the care to make sure the house is in tip top shape, all the bathrooms are cleaned, the beds with new linens, carpets and floors vacuumed and mopped and there is plenty of food in the fridge.

Its great to enjoy time with your loved ones. Being a tour guide, a few nights out to dinner and enjoying the visit, but what we do not want to think about is if someone gets hurt in your home or on your property? What if they accidentally cause damage your home?

Your homeowners insurance should cover these situations. Liability insurance covers injuries to visitors, their medical bills and your legal bills if they decide to sue you. Your home structure insurance also covers damages like fire.

If you live in a condo, first check to see if your allowed to have visitors, for how long, if and when they are allowed to use the facilities and how long they can park their car. Your condo insurance may cover any injuries to your guests and damage they may cause to the facilities, the open area like the lobby and your condo itself.

Contact us today with any questions about your home or condo insurance.

 

 

 

Photo courtesy of photostock. at FreeDigitalPhotos.net