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Frequently Asked Questions

Why does the type of dog I have affect my homeowners insurance?

Answer: Statistics show that certain breeds of dog are more likely to cause bodily injury or property damage having these dogs increase the insurance company’s probability of paying out on a claim. They share that risk with you by charging greater premiums or not allowing your to purchase insurance from them. What if you omit that you have a dog or tell them you have a different type of dog than you actually do? This gives your insurer a good reason to accuse you of fraud and not pay related claims.

Usually, unless your dog has already bitten, nipped or shown aggressive tendencies we can find insurance for you. Yes, regardless of the breed. Yes, even if other companies said no.

For more details on insurance, and to find the insurance, you need contact DRickard Insurance at 607-843-8860 or insurance@drickardinsurance.com.

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