Home Insurance And Your Rottweiler Dog

Your home insurance rates and overall costs could be affected by the type of dog you own. A Rottweiler is one of those dogs. Whether you already own a dog, or are looking to get one, here are some things to consider.

Rottweilers may get a bad rap -- especially the ones that make headlines because their owners did not train them properly. Of course, most Rottweiler owners do train their dogs properly and know how beautiful and sweet these animals can be.

The reality is, however, that you could be liable for thousands of dollars in lawsuits and high insurance premiums if your dog bites someone. Dog bites cost property and casualty insurance industry about $317.2 million in 2005, according to the Insurance Information Institute. Because of this, home insurance companies take into consideration the type of dog you own when they make decisions on your rate -- or even if they want to provide coverage.

Other breeds of dogs that insurance companies may be concerned about are Pit Bulls, German Shepherds, Huskies, Malamutes, Doberman Pinschers, Chows, Great Danes and Saint Bernards.

If you have home insurance and want to bring a new dog home, call your insurance agent or company and find out if they have any concerns.

If you're shopping for home insurance and you already have a dog, make sure to mention that fact to the agent or if it asks in an online home insurance quote form. Make sure to get at least three or more quotes from different home insurance companies for comparison, as rates and underwriting may vary quite a bit between each company.

Also, the Insurance Information Institute has some suggestions about helping reduce the chance that your dog might bite, including: spaying or neutering; training and socializing your dog; not playing aggressive games such as "tug-of-war"; and making sure you always maintain control of your dog.

Get several free comparison home insurance quotes, and learn more about home insurance and dogs at LowerYourInsurance.com Justin Scott is a freelance writer.

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