Why does the type of dog I have matter for my homeowner's insurance?

People are always asking us, “Why does my insurance ask what kind of dog I have?” It’s a great question that has a complex answer. Dog bites can cause significant injuries to kids and to other people, so your agent wants to make sure you don’t have a dog that has a bite history. Certain carriers have lists of dog breeds that they will not cover. In the state of Wisconsin there’s something called the Double Jeopardy law – if your dog bites someone and there’s damage awarded through liability, and then that dog bites someone again, the state of Wisconsin will double the award to the individual that was bitten. Insurance carriers are very cautious about dogs for this reason. As always, check with your insurance carrier to make sure you have the proper coverage.

Mosher & Associates isn’t just insurance. It’s insurance, personalized. With offices in Argyle, Evansville, Monroe, and New Glarus, our Team of Specialists is ready to provide you with the best coverage for your unique situation. Check out our Mosher Assessment Process (MAP) at mosherinsurance.com/map/ to see how we can help you. Answer a few simple questions and we’ll start you on the path to insurance, personalized.