It’s never a bad idea to tell your home insurance agent about your new pet moving into your Mount Prospect, IL home. Not all pets will affect your relationship with your home insurance provider, but some will, and it’s better to be safe than sorry.

That said, the main concern here is dogs. Your home insurer probably doesn’t care about your hamster or your parrot, or any caged animal, for that matter. Cats are a fairly minor concern. But a dog can easily rack up thousands of dollars in liability with a single bite.

You will actually want to consult with your insurance provider before getting a new dog. Some insurance companies won’t actually cover certain breeds, and it’s better if you know that beforehand rather than wind up having your insurance policy canceled because you adopted the wrong breed.

We can debate the fairness of these policies, of course. But the fact is that insurance companies have to make the call based on statistical probability, and the statistics say that some breeds are involved in more dog bite cases than others. Your pit bull might be a sweetheart, but that proves to not be the case often enough that your insurer might prefer not to take the risk. Insurance companies have to operate on the cold, hard data they have available to them, rather than on a case-by-case basis.

If you have any questions or if you are looking to get covered in Mount Prospect, IL, call Com-Co Insurance Agency Inc or visit the Com-Co Insurance Agency Inc contact page to see about getting a policy that covers your home and all the four-legged friends who live there.