Dog insurance - why insurance agencies deny dog owners
Many dogs play a really important role in their owners lives. That is why most of them like to make an insurance for their dogs. Sadly, some home insurers do not offers insurances for some dog breeds considered to be dangerous.
This is a well discussed topic, and dog owners must know which of the breeds are dangerous. There are certain factors that influence the insurance and interdiction for an insurance. The best way to do this is to talk to an insurance agent and ask him about the problems that may appear and also about the costs of different insurances.
One of the factors that influence an insurance is the size of the dog. Small breeds are mostly overlooked by insurers because they have a small chance of biting someone. On the other hand, large dogs are evaluated because they can endanger a person’s life. It also depends how violent a certain breed is.
Another factor is the frequency of their bite. Because there are over 4.5 million case of bites a year in America alone, the owner will pay a certain fee if their dog’s breed has a record of frequent bites.
Reputation is also important. Many groups are monitoring reports involving canines, like media groups, local authorities. After collecting these reports, the authorities can judge a breed of being aggressive (high risk) or not.
Some of the high risk canine breeds are: Akita, Alaskan Malamute, Chow Chow, Doberman Pinscher, German Shepard, Pit Bull, Presa Canario, Rottweiler, Siberian Husky, Staffordshire Bull Terrier, Wolf hybrids.
These breeds will have expensive insurances or some insurers won’t sell any. Though this is a general thing, dog owners can get lower rates if they search online for the best insurances, find discounts, etc.