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Many homes have dogs, at risk of insurance hikes

Posted On Fri, March 23, 2012

The Insurance Information Institute noted that many Americans have dogs, but due to state law penalties for dog bites, these could significantly raise insurance costs.

Nearly 73 million Americans have a pet at home, and while an animal may be nice, they can cost significant amounts of money if there is a claim filed for a bite, according to the report. Some dog breeds may not pose a risk when it comes to the view of an insurer, but those that do can either force a policy cost to rise, or could prevent it from being given out in the first place.

"Some people purchase dogs for the purpose of guarding their homes; however, deadbolt locks and home security systems are safe burglary deterrents, which will often earn you a discount on your insurance premium," said Loretta Worters, vice president of the III.

Consumers who have dogs and want to find a low-cost plan may benefit significantly from comparing policies online. There are a plethora of home insurance rates available that may be affordable.

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