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A dog is much more than a household pet. For most people, they’re a treasured family member and a trusted protector. However, even the gentlest animal can lash out when it feels scared or threatened. Fortunately, your home insurance policy will usually pay for any damages your pets might cause to visitors or other animals. To understand your coverage better, below are answers to some common questions about your pets and your insurance policy.

4 FAQ About Dogs & Home Insurance

How much coverage do I need?

If your dog attacks someone else or accidentally knocks someone down, the liability coverage in your home insurance policy should cover the damages. These claims can be very expensive, so dog owners should carry liability coverage at least equal to the value of all their other assets combined.

Do I need to tell my home insurance provider that I have a dog?

home insuranceInsurance companies use a variety of factors to determine their risk, so they’ll need to know about any potential threats, including dogs. If you don’t inform your carrier, they may deny a victim’s claim, leaving you to pay for damages yourself.

Are any dog breeds restricted?

Each insurance provider has their own rules for insuring different breeds, and some might refuse to cover certain types entirely. Pit Bulls, German Shepherds, and Akitas are commonly subject to restrictions, and so are Chows, Malamutes, and Rottweilers.

What if I get a dog after choosing my home insurance policy?

As soon as you get a dog, your first priority should be protecting yourself and others from any risks. This is also an excellent opportunity to review your coverage and compare policies from different carriers. You could end up saving money and closing any gaps in your protection.

 

Whether you’re getting a dog or buying a home, the experienced agents at Reid Insurance Group will help find a policy tailored to your needs. They’ve been serving homeowners throughout Lea County, NM, since 1945, offering high-quality coverage from many of the industry’s leading carriers. Visit their website for more on their broad range of services, or call (575) 396-3645 to request your free home insurance quote today.

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