Does My Homeowners Insurance Policy Cover My Dog?

We can’t deny the fact that home insurance policy is essential. Your home insurance policy not only protects your investment but also protects you from potential financial if other people sustain injuries while visiting you. However, it is always good to have a detailed conversation with your GTW Insurance agent before choosing your insurance plan. This will ensure that you get the right policy plan that caters to your unique needs. So far, the biggest worry among homeowners in NE Arkansas is whether their standard homeowners’ insurance policy covers their dogs. Read on to find out.

Does Home Insurance Cover Dogs?

The first thing you need to understand is that there is a big difference between coverage for a dog and liability coverage for the acts of your dog. Typically, your standard home insurance policy will not cover your dog as a family. For instance, you can’t use your home insurance policy to treat your dog if it falls sick or if it is injured. In this case, you will need to purchase a pet insurance policy that will cover your dog’s health.

When it comes to liability coverage for property damage and bodily injury that your dog causes to other people, your standard home insurance policy may cover you depending on your dog’s breed. This coverage will also depend on the specifics of your home insurance policy, the company that insures you, and it will also depend on where you stay.

If your insurance agent asks you whether you own a dog at the time of applying for the insurance policy, it is always good to be honest. You need to keep in mind that any misrepresentations on your policy application may void the policy or result in denial of coverage in the event of an insurance claim.

Are you a homeowner in NE Arkansas? Contact GTW Insurance today for your home insurance policy.

Should You File an Auto Insurance Claim?

Getting auto insurance is not only a legal requirement but a way to protect your car. Get the right auto insurance quotes for your needs in NE Arkansas from GTW Insurance. The insurance agency has trained and experienced agents who can help you find the best quotes for your needs. They may also offer you practical advice about auto insurance.

When to File an Auto Insurance Claim

Knowing that you can file a claim in case of an accident offers a sense of relief and safety. You should, however, know when to pay out of pocket and when to file a claim. Do not submit a claim every chance you get. It may cause your auto insurance rates. Filing claims too often makes you seem like a high-risk client to your insurance provider. If you are involved in a minor accident, negotiate with the other person to pay out of pocket. Ensure that you offer compensation that is equal to the extent of damage caused. If you compensate a driver and they find out later that your compensation is not enough to cover their damage, they may sue you.

Always file a claim if someone is injured or if the accident is serious. Your auto insurance helps you pay for the costs of medical bills and the repairs and replacement of other people’s property. It may also help you pay your legal fees if someone sues you. These charges may be too expensive to pay out of pocket. If you decide to file a claim, do it as soon as possible.

Driving carefully in NE Arkansas may help you maintain low auto insurance rates. If you are a careful driver who has a small number of accidents and traffic rates, you won’t pay too much for car insurance. At GTW Insurance, we’ll be ready to help you every step of the way.