Monday, June 11, 2012
How will having a dog work on your homeowners guarnatee rates? What kind of dogs will cause your home guarnatee rates to increase or even perhaps cause you to be ineligible for coverage? Is it inherent to find cheap homeowners guarnatee even with a dog?Across the U.S. Owners of definite breeds of dogs are being told by homeowners guarnatee carriers that they need to give up their dogs or risk having their homeowners guarnatee course canceled or not renewed at the end of their compact period.
In most states it is also legal for homeowners guarnatee fellowships to charge higher premiums based on the breed of the dog. While there is no suitable list of 'high risk' dogs among different guarnatee carriers, some of the breeds that are most often targeted are Rottweilers, German Shepherds, Doberman Pinschers, Pit Bulls, Huskies, Malamutes, Chow Chows, Great Danes, and Saint Bernards.
Insurance
With one third of all homeowners liability guarnatee claims being filed as a consequent of dog bites, guarnatee carriers are becoming increasingly reluctant to insure owners who have breeds that statistics have shown to cause the most personal injury. In 2006 insurers spent 35.14 million to cover the costs of dog bites alone.
Statistics regarding Dog Bites
- Of all childhood hospital crisis room visits, dog bites rank second as the most common cause of injuries.
- 60% of all dog bites involve children. This includes the family dog as well as dogs not known to the child.
- Annually, the whole of Americans that suffer dog bites exceeds 4.7 million.
- Rottweilers and Pit Bulls account for over 50% of all dog attacks. (A male dog is 80% more likely to bite than a female dog.)
- Surveys show that about 40% of households own a dog or dogs, and that the majority of dog bites occur in or near the house where the dog lives.
What Can I Expect To Find Among various Homeowners guarnatee fellowships If I'M An Owner Of A 'Dangerous Breed'?
Some home insurers will have a list of breeds and cross breeds that are banned from coverage and you will not be able to get a homeowners course from them as long as you own that breed of dog. This is their course regardless of how long you've owned the dog or how sweet its temperament.
Some guarnatee carriers will think dogs on a case by case basis and not automatically ban insuring a dog based on its breed. Their homeowners guarnatee questionnaire may include questions such as, "Has your dog bitten anyone?" or "Has your dog been trained to bite or attack?" Also, the issue of either a dog was provoked into biting or attacking may be taken into consideration. If in the past a dog has had an incident of attacking man unprovoked, most insurers will not offer coverage and in many cases not renew a policy.
Some insurers will offer liability guarnatee coverage but want higher premiums if you are the owner of a 'high risk' dog. With liability claims sky rocketing in the area of injuries incurred by dog bites and by "dangerous breeds", insurers have increased their premiums to offset the cost in much the same way as homeowners are being required to pay higher premiums in areas where wind has caused so much damage.
Some home insurers will want those seeking a homeowners course with them to sign a liability waiver for dog bites. All of which means that if the homeowner desires liability coverage for his dog he will have to buy a separate policy, and of course, that means more money paid out in premiums.
What Is Going On In Legislation regarding "Dangerous Dogs"? Laws on perilous dogs and homeowners guarnatee differ from state to state. In the state of Illinois Bill, H184 established a definition for "dangerous dogs' and 'vicious' dogs. It also outlines definite requirements for owning these dogs and lays out the penalties for violating these standards. In addition, all dogs are now required to be vaccinated against rabies. Inside the bill H184, definite jurisdiction was also given to county governments that they did not formerly have. This bill now allows counties to want micro chipping dogs, and they are also given the power to want animal and litter registration fees.
In Palos Heights, a city in Cook County, Illinois a micro chipping requirement was put into place. The City Council beloved an ordinance that not only required owners with dogs classified as "dangerous" to micro chip their dogs, but in expanding they are required to take out a 0,000 liability guarnatee course for their pet. Under their definition, a "dangerous dog is one that "Exhibits extremely aggressive menacing behavior toward humans or domestic pets and must be confined to prevent injury or death to human or pets." As a consequent of this definition, 'dangerous dogs "must be kept in their home or in a regain enclosure. Exterior trips are banned, unless a veterinary visit needs to be made. A muzzle is also a requirement for the dog to visit the vet.
On the guarnatee end, legislation is pending that would prohibit insurers form canceling or denying coverage based solely on the breed of a dog. Any others states, New Jersey, New York, South Carolina, Vermont, and Washington also have similar legislation in the works. Michigan and Pennsylvania already have a law in place that makes it illegal for homeowner guarnatee fellowships to deny coverage based on breed.
How Do I Find Homeowners guarnatee To Cover My Dog?
Call around. This will take some diligence on your part, but there are still some guarnatee carriers that offer coverage on a case to case basis and do not discriminate against a breed. These would seem to hold to the American Kennel association position of "Punish the deed, not the breed." Shopping around is key to seeing cheap homeowners insurance.
If your dog has completed some kind of obedience training program, make that documentation available to the insurers. If your dog has not participated in an obedience program, as if that would help you regain liability guarnatee or even give you a best rate.
Finally, if your dog has less than a stellar dog history, you might have to buy a separate liability course to cover your dog.
Whatever you resolve to do - be sure that you shop around and compare homeowners guarnatee quotes from complicated companies. Shopping around is key to not only find the coverage for your pet and home that you need but also to save money in the process.
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Thursday, June 7, 2012
If you are putting an addition on to your home, production repairs, or having any type of work at all done on your home by outside, hired contractors, one thing that's missing from your standard homeowners course is workers compensation. Most larger contractors carry workers payment assurance for their employees but if you hire a smaller company or even private handyman to do some work on your home and they do not carry it, you could be held liable if man gets injured while working on your home.
There is a additional coverage you can buy if the workers you hire are uninsured. It is called contingent workers compensation. If you carry this homeowners coverage option, you will not be held liable if some uninsured laborer gets hurt while working on your property. Instead, the assurance company will cover the healing expenses and lost wages that the laborer faces. If you don't have the coverage, you would be legally responsible to pay everything that a workers payment assurance provider would cover.
Insurance
So, who should buy this additional policy? whatever who has a decent estimate of money and/or value in the home, and is hiring uninsured workers to work on their property. If you are in a poor financial situation, this coverage may not be needful because you can only be sued for what you are able to pay. This is, of course, open to all kinds of interpretation so if you are in doubt, buy the coverage. It's not that costly and it can save you tons if something were to happen.
Thursday, June 7, 2012 0
Tuesday, June 5, 2012
Cheap homeowners insurance. Does it indeed exist? Yes ... If you know how and where to look. Here's how to find cheap homeowners guarnatee the easy way.
What Homeowners guarnatee Covers
Insurance
Structural Coverage - This coverage pays to have your home rebuilt if it's damaged or destroyed. To find out how much coverage you need, get the square-foot building cost in your area from a constructor or a realtor, then multiply that shape by your home's quadrilateral footage.
Personal asset Coverage - Your personal asset is anything in your home that is not not part of the house buildings - clothing, furniture, appliances, electronics, etc. To shape out how much personal asset coverage you need, take an account of all you own, then add up each item's value to get the coverage amount.
Expensive items like jewelry, furs, antiques, and collectables may not be covered under some policies, so you'll need to buy extra guarnatee to cover them.
Liability Coverage - Liability coverage pays for damage done to others and their asset when you're at fault. It also pays for your legal fees if you're sued. If you don't have a lot of assets, 0,000 coverage may be enough. But if you do have a lot of assets that you could lose in a lawsuit, reconsider purchasing at least 0,000 to 0,000 worth of liability coverage
Off-Premises Coverage - This pays for your basic living expenses if your home becomes uninhabitable due to fire or other causes. This coverage is especially prominent if you live in a high risk area for natural disasters.
Most homeowners policies do not cover floods and earthquakes, so you'll need to buy extra coverage if you live in a flood or earthquake zone.
How to Get Cheap Homeowners Insurance
Insurance rates can vary by hundreds, even thousands of dollars from one business to the next. This being the case, the best way to get cheap homeowners guarnatee is to go to an guarnatee comparison website where you can correlate rates from a amount of dissimilar companies.
A few comparison sites even have guarnatee professionals on hand to riposte any questions you may have through their online chat assistance (See link below.)
To get the cheapest rate, make sure to invite the top deductible you can afford, and get all the discounts you're eligible for.
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Tuesday, June 5, 2012 0