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Many families find that when it comes to choosing a new home, as well as finding homeowners insurance, they are set back by the breed of dog that they own. Being able to find insurance in these cases is often hard, as some breeds are seen as potentially dangerous or destructive. In many states it is perfectly legal for an insurer to have higher rates or even deny coverage based on the breed of dog that you own. The 'High Risk' Breeds If you've already got one or more of these pooches in your family, you likely already know this, however, for those considering adopting or bringing on a four legged family member, consider the breeds that are usually profiled, first. These breeds are Pit bull breeds, including American Staffordshire Terriers, English Bull Terriers, Pit Bull Terriers, Presa Canarios and Staffordshire Bull Terriers. Rottweilers and Doberman pinschers are also seen as 'high risk', as well as American Bandogge Mastiffs and Olde English Bulldogs. Chow-chows, akitas, and wolfdogs are also seen as high risk and some consider german shepherds or any mix of the above breeds. While many who love the breeds will readily tell you- it is usually the owner, not the dog that makes the behavior, sadly too many owners have made it so there is a stigma on these breeds and therefor, it may be expensive or difficult to find insurance if you do share your home with any of the above listed breeds. Unfortunately, with up to a third of all liability claims against homeowners coming from dog bites, they aren't completely baseless in this preventive measure. High risk varies from state to state, so make sure that you know which are and which are not in your state before you assume the worst. What You Can Do Insofar as breed profiling and legislation goes- on that front you would need to write your State Insurance Commissioner. However, to help keep your rates down or perhaps even be able to obtain the insurance that you need there are many things you can do. First of all, shop around. Agents within the same insurance company may carry different policies when it comes to these breeds. If your dog has not already completed an obedience program, it is definitely a worthwhile investment- having certification on this can often make a difference. You can also sometimes purchase a separate liability policy or rider on your existing policy to see that it does cover your pets. Don't immediately assume that just because you do own one of these breeds or plan to that your insurance company isn't going to work with you. Not all companies are the same, and also, just because one company denies you or cancels your policy, it does not necessarily mean another will- or even another agent. Be sure that you are asking around fully informed on what is and is not


an issue with your own company or the ones you may be thinking about looking into. Also remember that

Have more questions concerning homeowner's insurance? There is a lot to know. Get the lowest rates at Homeowners Insurance Clermont or home insurance Orlando. This article was brought to you by Southern Insurance Group. They are a true independent agency that will shop for your homeowner coverage with over 25 of the top insurance companies throughout the industry. For immediate insurance needs you can call 352-243-9000.

Article Source: http://EzineArticles.com/?expert=Henry_Fleet

==== ==== Check out my new website You'll find a FREE report to download called, 'How To Be The Alpha Dog And Stop Your Dog's Behavior Problems' http://www.bullbreeds.org ==== ====


American Bulldog Obedience Training