How do trampolines, pools, and dogs impact a home owners insurance policy?



All of these are not so much a rating factor but rather an eligibility factors when you are looking for a home owner’s policy.



Trampolines: Some Insurance Carriers will write your home owners policy if your trampoline has a safety net around it while other carriers will decline your policy all together. If you already have a policy and later get a trampoline without a net and someone gets injured, most likely your insurance carrier will not cover the loss.



Pools: Most Insurance Carriers will insure your home if you have a pool but it must be in an enclosed yard with a lock on the gate. A pool may also increase the premium on your Umbrella Policy if you have one.



Dogs: Dogs have become a very sticky subject with Insurance Carriers for the simple fact that there have been increased dog injury claims within the past 5 years. If you have a dog with no bite history and is not considered to be within one of the aggressive dog breeds then most insurance companies will write your home owners policy. However, if you do have a dog that falls within one of aggressive dog breeds, then the majority of Insurance Carriers will decline to write your home owners policy. The following dogs are considered aggressive: Pit Bull, Rottweiler, German shepherd, Husky, Alaskan malamute, Doberman pinscher, Chow Chow, Great Dane, St. Bernard, and Akita. The few companies that will write your home owners policy will most likely exclude the dog and offer no coverage for dog injuries to others.


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