Florida Homeowners Insurance

Florida Homeowners Insurance Against Dogs

If you plan to move the state of Florida anytime soon, and you happen to be a pet owner, then it stands to reason that you’re going to want to learn everything possible about Florida homeowners insurance against dogs. The same can be said for those who are planning to purchase a dog, and are curious as to how information regarding Florida homeowners insurance against dogs will impact them. If you are simply looking for a Homeowners insurance policy in Florida then you can contact YourFloridaInsuranceQuotes.com and get a free quote.

 

Dogs And Florida Homeowners Insurance

The most important thing to keep in mind with Florida homeowners insurance and dogs is that when it comes to how owning a dog can influence your homeowners insurance costs, it really comes down to what type of breed of dog you own, or what type of breed of dog you’re thinking about owning. This is why it’s important to get all the facts ahead of time. If you’re not sure as to what breed of dog you’re planning to own, you will want to speak to your current insurance provider, or include a question of what certain dog breeds mean to homeowners insurance rates and coverage in your research of potential Florida homeowners insurance providers.

 

Florida Homeowners Insurance FAQ

Here are some questions on the subject of property insurance in Florida against dogs that you should be asking yourself:

 

  • Is there really such a thing as vicious dogs list? Unfortunately, there is indeed such a thing as a vicious dogs list. As the name implies, a vicious dogs list is a list of dog breeds that are considered by the public and other individuals at large to be vicious, even dangerous more often not. Pitbull owners can tell you a thing or two about discrimination, based solely on the breed of the dog. The Rottweiler breed appears on this list, as well.
  • What does it mean to me if my dog is on the vicious breeds list? The implications of the vicious dog list is that because the dog is considered a greater risk for both the homeowner and guests of the homeowner than other dog breeds, the liability is therefore greater. Some insurance carriers will simply refuse to provide homeowners insurance to someone who owns a Doberman, a Great Dane, or a Chow. Other companies will offer insurance that excludes the dog entirely, which means that in the event something happens with the dog, the carrier will not be responsible.
  • Is there a universal vicious dogs list, or does the list vary from one insurance company to the next? Certain breeds (Pitbulls, Akitas, etc) are almost always going to be on an insurance company’s vicious dogs list. Other breeds (like a Golden Retriever) are never going to be on a vicious dogs list. The specifics of the list can indeed vary between companies.
  • In the event that someone is bitten by my dog, do I still need to get in touch with my carrier? Yes.
  • What are my options? Florida dog and canine liability insurance is well worth investigating. Some type of coverage is always going to be a good idea for everyone.

Comparing Florida Auto Insurance

When doing a Florida auto insurance comparison, there are a few different aspects to look at when it comes to determining whether you’re getting a good deal, and whether the kind of insurance offered by a company is appropriate for you and your situation. It’s extremely important to take these into consideration since you’ll be paying every month for your auto insurance. You want to make sure that you’re getting the most out of your hard-earned dollars. Read on for some great advise or simply visit a website online to get a free comparison.

The topics listed here cover much of the basics. There are certainly a lot more details, but this article should give you a good starting point in case you want to do more in-depth research.

Type of Vehicle

Your insurance rates will be affected quite significantly by the kind of vehicle that you decide to drive. The insurance company that you choose in your Florida auto insurance compare will have all the details of how your specific vehicle will affect your rates, but a basic rule of thumb is that the more expensive your car is, the higher your rates will be. The reason for this should be fairly obvious; in order for the insurance company to cover the damages to a vehicle, they need to pay for all of the repairs and/or a completely new vehicle. The more expensive and/or luxurious vehicles are also more expensive to repair or replace. Thus, the rates will rise.

Credit

Not all insurance companies do a credit check, but in case they do, you need to be sure that your credit score is at least decent before you try to get car insurance. Not to mention, good credit in general will open a lot more opportunities for you.

If you would prefer that your insurance company not know your credit score, there exist companies that don’t do a credit check. Typically the rates for these insurances companies will be a little different to reflect the fact that having a low or no credit score means slightly higher risk for them.

Driving History

As you do your Florida auto insurance compare and decide on an insurance company to contact, it’s also a good idea to get a copy of your driving records in case you’re unsure or don’t quite remember your past driving history. Any traffic violations or accidents that you’ve been involved in can greatly affect the kind of rates you’ll get with your insurance company. Accidents and traffic violations will usually increase the cost.

Family

It’s certainly not unusual for a family, especially with teenage children, to have more than one vehicle. Something that you should keep in mind, though, is that the more vehicles you have, the higher your insurance rates will be. If everyone in the family has their own vehicle, this can significantly increase your rates. So if possible, it would be a lot better for your wallet if the family can consolidate and share their vehicles. Regardless of your vehicle situation, though, you need to have insurance for precisely all of them, as required by law. The penalties are quite severe if you drive an uninsured vehicle.