Is your dog “banned”?

According to the Insurance Information Institute, the average dog bite insurance claim is $44,670. Homeowners insurance is responsible for covering dog-related injuries, so some carriers have lists of “banned dogs”. What does this mean? These companies will not provide coverage if the customer owns one of the dogs on their list, as they believe these breeds are liable to cause injury. These lists are often hidden from consumers’ view, but Forbes Advisor gathered data on 42 of these lists from different homeowners insurance companies.

Doberman pinschers, pit bulls, and rottweilers are on 100% of these 42 lists of banned breeds.

Chow chows are on 95% of the banned lists.

Wolf dogs, canary dogs, and akitas have the next highest frequencies of being banned — all three are included on over 75% of the banned lists.

Some other insurers will allow all dogs, while others decide whether or not to cover the dog based on if they have a history of violence.

In Massachusetts, there is no legislation forbidding insurance companies from discriminating against certain breeds.

Learn more here: https://www.forbes.com/advisor/homeowners-insurance/banned-dog-breed-lists/

Nevertheless, dogs are a wonderful addition to the family and not all “banned” dogs are dangerous. Give us a call if you plan on bringing a new dog home! We will review if your premium may change and can give you quotes on pet insurance.

Auto Insurance Tips

When it comes to shopping for car insurance in Boston, MA, there are a few tips that may help you purchase the best coverage available. Before buying auto insurance, do some research and shop around to find the best policy to fit your vehicle and driving needs. Those with questions should reach out to Smoller Insurance Agency to discuss auto insurance policies and coverage needs.

Compare Insurance Policies

Before purchasing an auto insurance policy, it is best to shop around and learn about your options. Ask your agent about different policies and coverage options available and costs. Additionally, call other insurance companies to compare prices for similar policies.  

Consider Deductibles

If you want lower insurance premiums, consider purchasing a policy with a higher deductible. These policies have lower premiums but require more out of your pocket should you get in an accident or have to file a claim. 

Determine State Laws

Before buying auto insurance, be informed about state laws dictating the required coverage amount. Those wanting minimal coverage must at least get the state-required minimum. Check with your local DMV or insurance agent for specifics on auto insurance laws. 

Drop Coverage 

Consider dropping coverage on older cars you are no longer driving or minimally drive. Drop the collision and comprehensive coverage to the minimum on older cars because replacing or repairing is generally not as expensive as if they were new. 

Look for Discounts

Ask your insurance agent what forms of discounts are available that can be applied to your auto insurance policy. Standard discounts include good student, low mileage, multi-car, multi-policy, and good driver. 

When needing car insurance in Boston, MA, shop around and compare all of your options. Then give the Smoller Insurance Agency a call to discuss how they can help you with your insurance needs.