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Home Insurance: What Sends Rates Soaring

By Lewis Braham - 2012-02-02T23:15:56Z

Photograph by Yuriy Zelenenkyy/Getty Images

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Beware of Dog

According to the Centers for Disease Control and Prevention (CDC), more than 4.7 million people are bitten by dogs annually. More than 50 percent of dog bites occur on the dog owner's property and they account for one-third of all homeowners' insurance liability claims. Consequently, some insurers don't like aggressive breeds of dogs and may reject clients outright or charge more if they own pit bulls and Rottweilers. Others will insist on policies that exclude dog-bite coverage. If your dog has a history of violence, expect higher premiums. One potential way to reduce rates: Get Rex some obedience training.