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Bella Italia | When getting a quote for homeowners insurance, should I tell them that I have a dog or not? |
I know dogs are considered a liability but if my dog prevented an intruder from entered my home would he be considered an asset? Bottom line, when they ask if I have a dog, should I say yes or no. |
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Sue
 |
You must absolutely say yes. If you say no & have a claim & the company finds out about the dog & that you lied (especially if the breed is on their unacceptable list) about having it, the company can declare the policy null & void (meaning that if they knew about the dog, they would have never written the policy) & give you back all your premiums paid & be done with you. There would be no coverage for your claim.
It is way to risky to lie to an insurance company, it is known as misrepresentation & you will have to tell future insurers about the misrepresentation & you will have a difficult time finding another company.
So, be honest up front. Tell the agent the truth. Call around too, different companies have different rules about dogs, what they will take, what they won't, etc. |
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michelob86
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Yes. If not, and you file a claim later, and they discover you have a dog, they could deny the claim on not knowing about the dog.
In that light, if you don't have what is considered a dangerous breed, having a dog won't make a difference in your rates. |
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Kitty!!
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I would tell them that you have a dog, and tell them that you would be willing to sign a "canine exclusion form." Its just stating that they are excluding any type of claim that may occur if your dog were to cause damages. |
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mamatohaley+1
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If you lie then a claim down the road could be denied for misrepresentation. |
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Phil
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If you lie on a policy application, and this lie caused the insurance company to either accept your policy or charge you a much lower premium than they would have if they knew the truth, they can void coverage for the claim. This would leave you responsible to pay for that lawsuit when your dog bites someone.
As long as you don't have a pittbull, doberman, etc, the insurance company isn't too considered about your dog. |
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sfru
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The dog isn't considered an asset; an alarm system is an asset. If you want a credit on your HO policy for pretecting your risk against intruders, the only way to go is an alarm system. If an aggressive dog bites or even just knocks down a guest in your home, then you have a liability claim on your hands. If the company doesn't know about the dog, they might deny the claim, then the injured might decide to sue you personally. Once you have a canine bite claim, it's pretty much curtains. Your company is going to try to get off your business.
Always tell them if you have a dog, tell them the breed, and let them know if there is a bite history. Many dogs aren't considered dangerous breeds, and therefore you won't need a canine exclusion. |
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skcs11
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yes |
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avaldreteiv
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Most of the time it depends on the breed of dog on whether or not it is considered liability or not. Bottom line is yes you should tell the insurance company you have a dog and what breed it is, this way if the dog does prevent an intruder from entering, the dog is still an asset, but if your dog happens to bite a neighbor passing by your property, you can't be declined your claim because you told the company you had a dog, and they excepted the risk. |
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Christie
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Answer the questions that are asked of you. I believe one of them will be in regard to pets.
The insurance company is more concerned with the KIND of dog you have - is it a pit bull or rottweiler, the kind of dog that is typically considered dangerous? Your insurance premiums will be higher if that's the case. Having a poodle shouldn't impact your costs at all. |
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mbrcatz
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Nope, it doesn't work that way. The reason dogs are LIABILITIES with homeowners policies, are the #1 LIABILITY claim type filed, is from dog bites. Having a dog that's aggressive enough to keep someone away, is a pretty good predictor of a dog bite liability claim.
It's cheaper to pay a theft claim, than a dog bite claim, and that's the truth.
Plus, it's on your application - so if you lie about having a dog, it voids coverage. Depending on what TYPE of dog you have, it might not matter if you TELL them you have the dog. You need to tell them. Otherwise, you'll be posting next year about how the stinkin' insurance company took your money, and won't pay your claim (because of material misrepresentation that YOU are doing, not declaring the dog). |
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skytrain18
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I can not understand why the insurance company would even want to know about dog ownership.
Things must be a whole lot different in the US. |
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