Although domesticated dogs may seem quite friendly and approachable, there are occasions when they can be dangerous. There have been a number of cases in the U.S. involving vicious dog attacks on both humans and other pets. The Einhorn Insurance list also includes the wolf hybrids—or wolf dogs—which are technically not a breed but are the animals that result from mating a wolf with a dog.
11. Wolf Hybrids (wolf dogs)
Although loyal supporters say wolf dogs make good pets, critics argue that the animals are dangerous and unpredictable. In 2002, a Wolf Hybrid killed a five-year-old boy in Ballard County, Ky. The owner pled guilty to reckless homicide. The breed of dog you own could make it more difficult to secure Homeowners insurance. Insurers are hesitant in offering coverage to homeowners who own breeds and mixes that insurers believe are more likely to bite and cause injuries. According to DogsBite.org, more than 700 cities in the U.S. have adopted breed-specific laws since the mid-1980s, following the rise in popularity of pit bulls in the general population.
Tip 10: Solid Roofing Reduces your Home Policy Premium- “The condition of the roof affects your homeowners policy. New/newer roofs will typically see a reduced premium, while homes with older roofs will pay more,” Herndon explains. “Anytime you make a home improvement, especially replacing or repairing a roof, you should talk to your insurance agent to be sure you’re covered and realizing any savings that may come along with the improvement.”