Did You Know That Pets Can Affect Your Home Insurance Rates in Vero Beach?

You might not realize it, but your pet might actually affect your home insurance rates. Whether you have a dog, cat, snake, or any other kind of pet, you should report it to your home insurance company. Certain animals and breeds are more likely to cause harm to someone who visits your home. As such, your premiums might be more because of the likelihood of this harm.

What Pets are Affected?

Every insurance company has a different list of pets that are going to affect the cost of home insurance. They are likely going to include snakes and other venomous pets. They will also have a list of dog breeds that are considered aggressive and more likely to attack, regardless of whether your dog is trained or not.

It's important that you tell your home insurance company about any pets that you have to see if they fall within the list. Failure to tell the insurance company that you have such a pet could result in a claim being denied later on.

There’s not much that you can do if you have a pet that’s on the list. If you’re considering getting a pet that you think might be a problem, call your insurance company. It could mean the difference of choosing one dog over another.

What is a Liability Issue?

Your home insurance policy in Vero Beach protects you against liability claims. If someone gets bitten or attacked by your pet, they could potentially sue. This would fall under a liability claim. Your coverage will help to take care of the legal costs as well as the settlement without you having to pay out-of-pocket.

Pets that are considered aggressive or more likely to attack will cost you more in insurance because of the likelihood of there being a liability claim at some point in the future. If you didn't inform your insurance company of having such a pet, a claim might be denied. This is why it's important to ensure that your home insurance company is aware of all pets that you have inside your home.

Even after you have a policy, you might add pets to your home. Simply call the insurance company to let them know about the pet. It might increase your premium, but it will also ensure that you have the protection that you might one day need.

When you want to learn more about how a pet could affect your home insurance, talk to an independent insurance agent. It will make it easier to understand what you need to do and what insurance companies will provide you with affordable coverage. Some insurance companies are more lenient about pets than others. An agent will be able to provide you with the needed guidance.