“A dog is the only thing on earth that loves you more than you love yourself.” – Josh Billings
Some say that we didn’t domesticate dogs, they domesticated us, and there is some truth to that. They have moved from our fires to our couches, and that is just fine. Unfortunately, many insurance companies are not as willing to accept our canine companions as we are, but do not let that stop you from adopting one!
Here’s the truth about dogs and homeowners insurance:
1- Ownership of certain breeds of dogs will cause your homeowners’ insurance to be canceled. If you adopt a dog that looks like a Pit Bull or an Akita your insurance company will assume that it is a purebred and cancel your policy.
2- Most dogs in shelters are not purebred and may only resemble a Pit Bull or Akita, or a Doberman. Canine DNA tests cost less than $100 and often prove that the dog in question is actually a beagle/labrador mix and not a Pit Bull at all so that you can keep your dog and your homeowners’ insurance too.
3- There are options for those who live with Pit Bulls, German Shepards, and other dogs on the “bad dog list.” Some companies will still write your policy, but exclude coverage for dog bites or damage caused by your dog. You may be able to purchase a particular policy to cover those instances.
4- You are responsible for your dog’s behavior. Children are most often the recipients of dog bites, and inadequate adult supervision is often the reason. Most dog bites can be prevented if owners are paying attention.
“The average dog is a nicer person than the average person.” – Andy Rooney
Take some time this weekend to visit some of your local animal shelters, the UCSPCA, DCSPCA, or Hudson Valley SPCA. If you find your new best friend and are unsure if your current renters or homeowners policy will cover them give us a call, we can help. We believe that mans best friend belongs in the house, not at a shelter. Adopt, don’t shop. Contact Hudson Valley Agents at 845-778-2141 for further information.
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