Don’t even think about outsmarting the insurance company by leaving your dogs breed off of the policy. If anything happens, like your dog bites or knocks someone down and injures them, the policy will refuse to pay on the grounds that you did not add your dog to the policy. Particularly if it is one of the breeds that they list as risky. Yes, you will pay more for owning a ‘risky” breed and if you are a renter, you may be denied an apartment or be evicted if you procure the dog after you rent, as pet policies vary as to acceptable breeds and sizes.
6. Perro de Presa Canario
Also called the Presa Canario, this breed became notorious after a 2001 case in San Francisco, Calif., involving a woman who was mauled in the hallway of an apartment building by two of the massive dogs owned by a neighbor. The woman suffered more than 75 bite wounds and the owner is now serving 15 years to life in prison. The Perro de Presa Canario usually makes the list of banned breeds, in places where this is done.
Tip 5: 2% Reduction in Premium when you Remove Wood Burning Stove- A wood-burning stove can be very atmospheric and reduce energy costs. But they can also raise your homeowner’s insurance premiums. You may be able to avoid or reduce premium jumps by providing your carrier with proof that the stove was installed by a licensed contractor and meets code requirements. Also, Harris suggests installing a smoke detector not far from the stove, along with detectors in other parts of your house. Further, let your agent know if you have a fire extinguisher that’s easily accessible.