We love our dogs… the wagging tails… the kisses. And yet dog ownership has challenges. Dogs bite more than 4.5 million people each year. Of those, nearly 900,000 are severe enough to require medical intervention.
In addition, dog bites are costly. The typical cost per canine attack case settled through insurance is over $28,000. It’s a big number. It’s also why home insurance rates go up when you get a new dog…
Thankfully, there are actions you can take to decrease the chances of your dog biting or attacking someone.
First, choose your dog carefully. There are varying viewpoints on whether dogs of certain types are much more hazardous than others are or if home atmosphere has more to do with a pet’s nature. Speak with your veterinarian regarding prospective behavior and also wellness problems connected with details breeds.
Also, talk to our team about potential dog breeds that may be excluded from being protected your insurance coverage representative regarding breeds omitted from protection under your house owner’s insurance plan.
Next, introduce your family pet to your pet early. Well-socialized puppies are more likely to become grown-up pets who feel comfortable around people and other animals. It’s also good to keep exposing your dog to new situations…
Also be sure you you keep your child is older because nearly 50% of all severe dog bites involve youngsters. A good age is at least 4 years old. Kids of this age are better able to understand how to behave around your dog. And NEVER leave your baby or young child alone with a dog, no matter how much you trust the dog.
Finally, be sure to take care of your dog’s health. From spaying or neutering to controlling parasites… your dog’s health impacts their attitude. Be sure your dog also is seen by a vet regularly an is properly vaccinated.
Whether you already own a pet dog or are considering bringing a pooch into your home, give us a call to assess your insurance coverage responsibility coverage for bites and various other pet-related injuries. We’re here to help!
Have an apartment or a house? You naturally need home insurance. The challenge is most people get home insurance and then ignore it.
The thing is, as time goes by your living situation changes. You may acquire more things like jewelry or art. You may make improvements to your home. You might have added a home theater.
In any case, you need your insurance to keep pace with your personal situation and to ensure your property and things are sufficiently protected.
There’s no magic time to think about home insurance policy … so have a look at these tips on the best ways to get the most value in your home owners plan.
Manage Your Credit
Credit scores impact insurance costs in many situations. The better your credit, the lower your insurance costs. Maintaining a strong credit rating is in your favor.
Allow Us to Search For The Best Home Insurance Deals For You
As an independent insurance agency we offer insurance from a variety of carriers … one phone call to our team is all that’s required to have us spring into action and shop for fantastic rates among numerous insurance providers. We’ll save you time & stress in the process.
Examine Your Deductible
Talk with us about your insurance deductible. The key is to make certain your deductible is something you could manage to pay in case of a serious issue. For a claim on a residence, one general rule is to have the deductible be high enough that you don’t leverage your insurance for “simply anything” that fails with your house. Home insurance really should be reserved for urgent scenarios. The higher the deductible the more you can save … some premiums can be cut by up to 30 percent.
Look into Discounts
If you have two or even more insurance policies (car/ residence for example) with the same service provider, you could save up to 15% off the plans. Certainly give us a call to explore your options …
Ensure You Aren’t Over-Insured
Some people believe getting even more insurance than they need will give them some type of benefit. It will not. You need an adequate amount of protection to cover the cost of replacing your residence and also its valuables. As an example, if your home is of moderate construction, you won’t insure it to replace with luxury materials. Likewise, you also need to protect yourself from being under-insured as well. The key here is to have an candid conversation with our insurance team so that we could make certain you have the RIGHT insurance.
One Last Suggestion
Many carriers offer additional discounts when you have been with them at the very least 3 to 5 years … so keep that in mind as you examine your property owners policy. As always, remember we’re here to help you, so call us today to earn certain you are obtaining the greatest worth from your insurance.
Recent Comments