How Dogs Affect Your Home Insurance

Do you have a new pet? It’s a good idea to let your insurance agent know!


It’s an exciting time when your new companion arrives home for the first time. Naturally, you’ll want to show your family and friends photos of your new friend and show him off! You’ll buy treats and food, and schedule an appointment with your veterinarian. Something you may not think of is it to inform your independent insurance agent of the new animal living in your home.

As a pet owner, you may find yourself liable for damages your dog or other pet cause. According to the Insurance Information Institute (III), dog bites and other animal-related injuries accounted for more than one-third of all homeowners insurance liability claim dollars paid out in 2015, which costed more than $570 million!

An important fact is many homeowners’ insurance policies do cover dog bites. The breed of the dog is also a key factor when it comes to home insurance dog restrictions. There are certain dogs that have a reputation for being aggressive, but many times those are incorrect.

The only real way to know if your pet will affect coverage is to talk with your insurance agent!

If you are a new or existing pet owner, we offer a Veterinary Discount Plan, which you simply receive 25% off every trip to the vet! Don’t forget to contact Cochrane & Porter for any of your insurance needs at 781-943-1555 or

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