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How Would Your Homeowners Insurance Agency Know What Breed Of Dog You Have? |
Other than asking you, how would your homeowners insurance agency know the breed of your dog. I have been thinking about adopting a pit/pit mix but I am worried because my homeowners insurance does not cover certain breeds. So how do they know if you have one of those breeds? Particularly if its a pit mix? Does that count as a restricted breed? Do they check your home? Ask for papers on the dog?
| Answer: They don't ask, but there is a good chance they will find out anyway. My aunt has a trampoline in her back yard, which is prohibited, but she figured no one would ever know. It went unnoticed until some teenager tried to dial a number on his cell and hit the front of her house. Her insurance company (along with his) came out to inspect the damage and saw the trampoline. They also find out when the dog attacks someone in the neighborhood or gets loose and chases the mailman and a complaint is filed. There are plenty of incidents that could take place that would cause the insurance company to come out. |
Homeowners insurance premiums in Louisiana remain among the nation's highest, but are rising much more slowly than they did in the first two years after Hurricane Katrina, new data from by the National Association of Insurance Commissioners show.
When Heidi and I moved into our home 25 years ago, on Main Street in North Harwich, joining a wonderful year-round neighborhood far from the water, I well remember getting our first homeowner's insurance bill, and writing monthly checks to be sure our