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Almost every dog owner wants their fellow canine to play an important role in their lives, especially when it comes to a homeowners insurance policy. Sadly, according to Bankrate.com, home insurers see certain canine types as dangerous and rule them as high-risk pets. This either place higher homeowners insurance premiums on the dog owner or disqualify them from receiving insurance from certain insurers.

"Breed discrimination" as it is called, is todays hot topic being discussed between dog owners, canine organizations, and homeowners insurance companies, and until the debate is resolved, all dog owners must know which breeds are deemed dangerous by home insurers. Doing this will help them estimate their liability coverage and the price of their homeowners insurance quotes.

Dog owners should note the determining factors for their canine to be labeled dangerous by a homeowners insurance companies.

The homeowners insurance company ([http://www.ac.ergohestia.de Ubezpieczenie Olsztyn Jaroty]). Each insurance provider has different specifications, which is why dog owners should shop around and compare numerous homeowners insurance quotes and talk to an insurance agent about their needs. They may charge a higher premium or just refuse to do business with them.

The size of their dog. Dogs that are small are most likely to be overlooked by homeowners insurance companies, since they have a less chance of biting someone. However, large dogs will be evaluated because they can inflict harm to people, depending on how violent they are or potentially could be.

The frequency of their bite. Every year, 4.5 million Americans suffer from dog bites, according to the Centers For Disease Control and Prevention. If the breed a dog owner owns has a track record of frequent bites, the dog owner will pay the consequences.

Their reputation. The Centers for Disease Control and Prevention, the media, and other authorities are closely monitoring reports involving canines. Homeowners insurance companies collect these reports and judge whether or not a dog breed puts dog owners at high-risk.