Have you noticed that one of the questions on our homeowners application is if there is a dog in your home? Have you ever wondered why? Some insurance companies are particular about covering certain dog breeds. In fact, there is a list of 11 types of dogs, or mix of these breeds, that insurance companies commonly consider a risk to cover. On the list are: Pit Bulls and Staffordshire Terriers, Doberman Pinschers, Rottweilers, German Shepherds, Chows, Great Danes, Presa Canarios, Akitas, Alaskan Malamutes, Siberian Huskies and Wolf-hybrids.
Because St. Joseph Agency represents seven carriers for homeowners insurance, we can place your home with a company that protects you and your pet.
In some situations, an umbrella policy may offer better protection if you own certain dog breeds. Umbrella insurance covers dog bites under most circumstances. So, if your dog bites your neighbor and he or she decides to seek legal recourse, your umbrella policy can also cover you.
Be sure to let us know when you bring a new pet into your home so that we can place you with the best possible coverage for you and your pet.