Bully breed could cost you big bucks

Did you know that owning a “bully” dog breed can sometimes result in higher homeowners insurance premiums?

It’s true. Boxers, pit bulls and bulldogs are considered more aggressive than other dogs and, consequently, could cost you a little more to insure. Sometimes, communities even pass laws prohibiting residents from owning them.

But we understand that people love their pooches. So here are some tips, courtesy of the  American Kennel Club, for keeping your insurance premiums as low as possible.

Know the rules in your area – Some cities outlaw “bully” breeds within their borders. If that is the case, there isn’t much your agent can do for you. Make sure you live in an area that allows your family pet.

Prove “good citizenship” – Documenting your canine’s good behavior can go a long way to lowering your premium. If you can show proof of a behavioral class, such as the American Kennel Club’s Good Citizen program, there may be opportunities to lower your rate.

Consider adding a separate policy – You may be able to pay a normal homeowner’s premium, then add supplemental liability insurance for your pet. That insurance would cover things like dog bites. The situation isn’t ideal, but it may be less expensive that one policy that covers every aspect of your home.

Still have questions about how “bully” breeds can impact your premium? Feel free to give us a holler. We’ll help you understand your options!

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