Does the Type of Dog you Own Affect the Cost of Home Insurance?

Home insurance is something that any home owner needs to have in place. Keeping a home policy on your home not only protects your property, it also helps to protect your guests, and the contents of your home. There are some factors that you may not even think of that affect the cost of your home policy, your pets may be adding cost that you didn’t even realize. For those in the Arvada, CO area, the agents with Alliance Insurance Services can help you to find the right policy for your pet and your home.

Dogs are unpredictable to a certain extent, some home insurance companies do adjust your home policy cost based on the type of dog that you have. For those pet owners that have breeds that have been determined to be “aggressive”, you may have a higher home premium because these breeds are more likely to attack someone that comes on your property. Some common breeds that are considered to be dangerous or aggressive are breeds like Rottweiler, Pit Bull Terrier, Mastiffs, German Shepard, and more. You can often find a list of breeds that your home owner’s company will consider to be dangerous when you go to set up your home policy.

It is important, to tell the truth when it comes to the heritage of your dog, even if it means your premiums may be higher. If your pet attacks someone while they are on your property and you are not covered, you may end up having to pay the costs of the medical bills for that person. If you have a pet you want to make sure they are also covered on your policy for your own protection and for the protection of your pet and anyone that might be on your property.

 For those in the Arvada, CO area, the agents with Alliance Insurance Services can help you to find the right policy for your pet and your home.

When to File an Auto Insurance Claim and Who to Contact?

When you have been in an auto accident, it is dependent on your type of insurance coverage, the other party’s insurance coverage and who is at fault as to who should be contacted and for what portion of the insurance policy.

Damages to Your Car

If your vehicle is damaged in an auto accident in Arvada, CO and it is clearly the other driver’s fault, you will file a claim with the other driver’s liability insurance. Their liability policy will pay for repairs or to replace your car.

 If the damages are may clearly your fault, you file a claim with your insurance policy under your collision policy. 

If the fault is not clear or it can be that both parties are at fault, then you file a claim with your insurance and the other driver’s insurance. After the fault is determined, you will get your damages covered by one policy or the other. 

If the damages are not from a collision, such as your car is stolen, vandalized or has hail damage, you file a claim under your comprehensive insurance.

If the other driver has no insurance or is underinsured, you file a claim with your insurance company, Alliance Insurance Services, under the uninsured/underinsured motorist coverage. 

If you are Injured

If you are in an auto accident and you have injuries, you file a claim with your insurance provider under your personal injury protection (PIP). This applies even if you are not at fault or have health insurance. The PIP portion can help pay for the bills that your health insurance doesn’t cover, so you won’t have a balance to pay on your medical bills. 

If the other driver is at fault, you file a claim with their liability insurance. 

If the other driver has no insurance or is underinsured, your own insurance policy will cover expenses for you from the underinsured or uninsured portion of your policy. 

Minor Damages to Your Car and no Injuries

If it’s the other driver’s fault, file a claim with their liability policy, because you won’t need to pay a deductible to get your damages repaired.

If the accident is your fault, consider if the minor damage is okay with you or if the cost of fixing it is little over your deductible, consider not filing a claim at all. The small number of repairs after you pay your deductible might not be worth an increase in your insurance rates.

At Alliance Insurance Services in Arvada, CO, we are here to help you every step of the way after an accident. You can use our online rating tool or call or come by the office to get more information on auto insurance.