Chillicothe, Ohio
96 E 4th Street
Chillicothe, OH 45601
(740) 773-1620
Hummel & Plum Insurance is located in Chillicothe, Ohio. We specialize in all types of insurance: Home Insurance, Auto Insurance, Life Insurance, Health Insurance, Business Insurance and Specialty Risk Insurance.

Dog Owners: Answers to Your FAQ About Homeowner's Insurance September 24, 2019

Chillicothe, Ross
Dog Owners: Answers to Your FAQ About Homeowner's Insurance, Chillicothe, Ohio

Your dog may be a treasured member of your family, but he’s also an animal capable of injuring a visitor, passer-by, or another dog. Fortunately, homeowners insurance policies will usually pay for any damages your pets might cause, but owning a dog will impact your premiums and policy limits. Below are answers to a few common questions about how dogs might affect your home insurance.

FAQ About Dogs & Homeowners Insurance

How much liability coverage do I need?

The standard homeowners insurance policy includes between $100,000 and $300,000 in liability coverage, which is used to compensate anyone your dog injures. Because medical expenses are so expensive, most experts recommend extending liability coverage equal to the value of all your other assets.

Are certain breeds excluded from coverage?

Some dog breeds are responsible homeowners insurancefor more bites than others, so insurance companies may hesitate to cover them. Homeowners insurance policies often exclude wolf hybrids, Siberian Huskies, German Shepherds, and pit bull breeds.

Will my homeowners insurance provider cancel my policy if I get a dog?

If your new dog is on your insurance company’s list of restricted breeds, they may cancel your policy or refuse to renew when it expires. Others may decide to exclude your dog from coverage, but you can purchase an additional umbrella or pet liability policy.

What should I do if my insurer cancels my policy?

Fortunately, many homeowners insurance carriers don’t discriminate against specific breeds, so an independent agent will usually find a policy that covers your furry friend. Carriers may base their rates on your individual dog’s history, training, and temperament, so shopping around will usually get you a better deal.

 

For over a century, the independent agents at Hummel & Plum Insurance Agency have helped homeowners throughout Circleville, Chillicothe, Ashville, Mt. Sterling, and Central Ohio protect what matters most. They maintain relationships with a wide range of providers, so you can count on them to find a homeowners insurance policy that protects you, your dog, and your assets. To view a full list of their insurance services, visit their website or call their offices at (740) 773-1620 today.

Other Announcements, Events and Deals from Hummel & Plum Insurance Agency Inc
5 Steps to Take When Filing a Car Insurance Claim, Chillicothe, Ohio
Even skilled, conscientious drivers may find themselves involved in an accident. If this is your first time being in an accident, you may be unsure what to do. Filing a claim with yo...read more
When Should You Reexamine Your Life Insurance Needs?, Chillicothe, Ohio
Life insurance is a vital risk management tool and a component of any comprehensive financial plan. However, as we go through life and reach different stages, our life insurance need...read more
Avoid These 3 Mistakes When Buying Auto Insurance, Chillicothe, Ohio
In Ohio, the law requires a minimum amount of car insurance. Drivers must maintain at least $25,000 of bodily injury liability coverage per person—to a per-accident max of $50,0...read more
What New Parents Should Know About Life Insurance, Chillicothe, Ohio
Becoming a parent is a fantastic responsibility that will reshape your life and reorganize your priorities. Taking care of your child can become the most significant source of j...read more