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This can help significantly when it comes to figuring out what coverage is best for your pet based on age, size, breed-specific health risks, location, and more. If your dog damages your own fence, flooring, or property, however, homeowners insurance isn’t likely to cover the damage. Most policies exclude problems caused by your pet on your own property. If an insurance provider denies coverage because you own a commonly restricted dog breed, there are a few things you can try. Some providers are more lenient than others when it comes to dogs. As we noted above, State Farm doesn’t even ask for your dog’s breed.
And we think that should be the focus of insurance companies." More than a million and a half dogs and cats are put to death each year, according to the ASPCA. Insurance companies aren’t the only ones engaging in dog breed discrimination. States, cities and even local municipalities have their own lists that are often different and even contradictory to one another. Pit bulls, as defined by insurance companies, generally encompass Bull Terriers, Staffordshire Bull Terriers, American Bull Terriers and American Staffordshire Terriers, or any combination of these breeds.
An overview of AAA Pet Insurance
Discounts may be available for your homeowners insurance if your home is new, renovated, single-story, or contains protective devices. Additional discounts such as multi-policy discount and loyalty discount may also be available. Discounts vary by state; contact your agent for a complete list of discounts available to you.
Ask your agent if they’ll grant an exception for a dog with a Canine Good Citizen certification from the American Kennel Club (your dog will need to pass a 10-step test in front of a professional evaluator). Find out what kind of disaster-related coverage you have before trouble strikes; it can vary depending on your location and home. Save up to 15.7% on auto insurance and up to 20% on home insurance when you combine those policies.
Your policies & coverage
Members save an average of $150 a year by using AAA discounts. Award-winning investigative journalist Ed Leefeldt’s stories have led to changes in credit card practices, voter registration and disability payments to prisoners. He has written multiple cover stories, hard-hitting features and executive profiles for major media outlets, and is the author of The Woman Who Rode the Wind, a novel about early flight.
According to our research, here are the 10 most common dog breeds that home insurance companies include on their restricted lists. Coverage may vary by state or product and this is not a full description of all coverages, exclusions, definitions, or provisions that may apply. The information provided is not intended to and does not substitute for or supersede the actual language of an issued policy contract, endorsement, or declarations. For specific terms, definitions, coverages, and exclusions that apply to your particular insurance policy coverage for a specified loss or peril, please read your policy contract, declaration pages, and endorsements. Where this information differs from an actual policy contract, endorsement, or declarations, the terms for the policy, declarations, and endorsement that make up your issued policy will prevail.
Home insurance
Once you have signed up for pet insurance through AAA, your pet is covered for life, as long as your premium is paid. Your pet's coverage won't be canceled or reduced based on its health status, age, or the claims you've filed. Legislation passed in Nevada prohibits the use of a dog's breed to deny coverage or charge higher premiums. Mark Sektnan, vice president of the American Property-Casualty Insurance Association, expressed concern. “If insurers are forced to insure those homeowners with an increased risk, whether that's a leaky roof, an inadequate stove or an aggressive dog, they must be able to charge an adequate rate," he said. The number of dog bite claims fluctuates each year, with a recent high in 2017 of 18,522 claims, according to the Insurance Information Institute.
They “make no concession for therapy dogs, assistance dogs or search and rescue dogs,” notes PetPlace. If your home is newer or recently remodeled, you could qualify for our age of home discount. A dog is less likely to bite if spayed or neutered, according to The Humane Society. Visit my Contact Your Carrier page for contact phone numbers and links to pay your bill online. AAA allows its customers to create a customized Accident and Illness plan to fit their pet and budget and get up to 90% back on vet bills.
What should I know about my home policy?
In most states, dog owners are not liable to trespassers who are injured by a dog. However, a dog owner who is legally responsible for an injury to a person or property may be also responsible for reimbursing the injured person for medical bills, lost wages, pain and suffering and property damage. From spoiled food to a fried TV, your property insurance policy covers more than just your home. Homeowners insurance helps if your house or property isdamaged or destroyed by events such as fire, weather, theft, or other specified losses.
Log in to your account to view and manage your home policy details, review your coverage amounts, and enroll in paperless billing. Personal property coverage will help to replace your personal items such as clothing, furniture, appliances, electronics, and most of the other contents of your home if they're destroyed during a covered peril. The amount your personal property coverage will pay is limited as a percentage of your dwelling coverage. If you own expensive items such as fine jewelry, antiques, or artwork, you may want to get additional coverage to protect them. More tips on preventing dog bites are available from The Humane Society.
Today, AAA provides more than 60 million members with pet, travel, automotive, financial, and insurance services through its network of 32 clubs and over 1,000 branch offices across North America. Even the best behaved pets can get into trouble from time to time. With the right insurance policy, you can rest easy knowing you have a plan in place should the unexpected happen to you.
On the other hand, Allstate, Farmer’s, and Liberty Mutual are more breed-conscious. Insurance companies have been wary of certain breeds since at least 2000, when the American Veterinary Medical Association released a study of fatal dog attacks by breed between 1979 and 1998. “Pit bull-type dogs and Rottweilers were involved in more than half of these deaths,” the study found. It’s worth noting the AVMA itself advised against breed-specific restrictions in that same study, and stressed that fatal attacks are a small percentage of overall dog bite injuries in the U.S.
In addition to covering your house, most homeowners policies will cover other structures on your property, such as sheds, detached garages, and fences, if you build your policy correctly. PetPlace provides a state-by-state list of “banned species” laws. For example, Vermont “does not allow the exclusion of entire canine breeds.” Many other states have introduced similar legislation and home insurers are required to obey each state’s laws. The easiest way to lower the cost of your homeowners insurance is to increase your deductible.
Shopping for home insurance is easier than ever and you have countless options at the click of a button. If the options seem overwhelming, pick up the phone and one of the agents at TGS Insurance will be more than happy to walk you through your options. AAA also has many discounts that could significantly reduce your insurance premiums. Sep 1, 2007 — AAA person who discovers on the person’s property a dog or coyote known or suspected of having killed livestock, domestic. Its members are eligible for a 5% discount which, when combined with the discounts offered by Embrace, can extend up to 20%.
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