Column by Brian Hurst of The Clearspan Agency
Many of us love dogs and enjoy having them as pets. Dogs are good companions and often are considered part of the family. Children can learn responsibility by taking care of a pet, and research even shows the health benefits of having a pet. Having a dog in the household can have an impact on your homeowners insurance, so it is important to talk to your insurance agent when applying for homeowners insurance or if you are buying a dog.
When you are applying for homeowners insurance, you will be asked if you have a dog. If yes, you will be asked if the dog has ever bitten enough to draw blood. Depending on the answer and the insurance company, your insurance rate might be higher or your application could even be denied. The Insurance Information Institute says that while the total number of dog bite claims is small, that number has recently grown significantly. It is important that steps are taken to prevent a situation like this from happening to you.
First, be sure your dog is socialized with other dogs and people. Can your dog go to the park and enjoy the time with other dogs and/or people, or is the dog constantly on guard and snarling? If your dog cannot relax in public, you may need professional help from a dog trainer or behaviorist. Check with your veterinarian for recommendations to certified dog professionals.
Second, protect your dog from aggressive situations. Some people, especially children, have never learned the proper way to approach a dog. An excited child may run up to a dog and go nose to nose. To the child (and maybe their parents) that is cute and fun. Any dog will interpret this as an aggressive act and even a gentle, easy-going dog might be scared and respond in an aggressive manner. Gently warn the child to back off so as not to scare the dog. If necessary calmly leave the situation because if the child is hurt by the dog, the dog will always be blamed.
Third, be sure your dog has regular visits with the veterinarian. A healthy dog will be happier, and some health conditions can make a dog more aggressive.
Now go outside this summer and have fun with your dog!
You can reach Brian at 717-735-8411 · info@clearspanagency.com with all your Central PA insurance questions and needs.