There has been roughly $317.2 million paid in a single year for claims relating to dog bites alone. Some dog breeds are no longer covered by a number of Insurers due to the history of claims recorded. The top five dogs to be included in this list of unsurable pets are the Akita, Alaskan Malamute, Chow Chow, Doberman Pinscher, German Shepherd and the Pit Bull. Also included as high risk K9 companions are the Presa Canario, Rottweiler,Siberian Husky, Staffordshire Bull Terrier and Wolf hybrids. Through researching these statistics one question has come to mind. How many of the homeowners robbed in a given year have dogs? How many theft victims do not own a dog?
The question I have is, “should “some” dog owners see a discount on their homeowner insurance?”. There are a few good reasons why having a dog should lower your insurance premium. There are also reasons some insurers may think having a dog should increase your insurance rate whether it be biting some person or digging up your neighbors garden. Your dog may be the reason why a thief decides not to make your home their next target. As a test I decided to take a pole to help us learn more about the benefits as well as the draw backs to owning a furry friend.