Month: September 2018

Will a Dog Breed Affect My Homeowners Insurance?

Posted on by agentinsure

Are you a homeowner? Do you keep a dog as your favorite pet? Have you ever asked yourself how it affects your home insurance? Well, you may already be aware of various factors that affect your homeowner’s insurance policy quotes, but you might not have thought of your dog as one of them. However, the truth of the matter is that keeping a dog as your pet affects your home insurance quotes and in some cases, it can even prevent you from being insured.  

Believe it or not, dog bites account for approximately one-third of all the insurance payment in Chandler AZ and all over the United States. This is the primary reason why some home insurance policy providers such as San Marcos Insurance Group will discriminate against some homeowners when it comes to underwriting homeowners insurance policies.

How Does the Dog Breed Affect Your Homeowners Insurance Policy?

You need to remember the fact that your policy covers any damage caused by you or one of your family members to third parties. Your dog is considered as one of your family members, and the insurance policy may be partly liable for the cost of claims raised against you when your dog bites someone. Keep in mind that some there are certain times when your dog might get too aggressive no matter how well it is trained. Furthermore, some dog breeds tend to have strong jaws that could cause severe harm to a person if the dog is provoked.

Which Dog Breeds Are Mostly Blacklisted by Insurance Companies?

While some dog breeds will affect your home insurance policy by driving up premiums, others are entirely blacklisted, and no provider will be willing to insure you if you have such a dog breed. You may not be offered coverage if you own any of the following dog breeds:

  • Chow-chows
  • German shepherd
  • Mastiffs
  • Any wolf hybrid
  • Akitas
  • Rottweilers
  • Pit bull-type breeds
  • Dobermans

Are you a homeowner in Chandler, AZ? Contact San Marcos Insurance Group today for a customer-friendly home insurance policy.

Does Auto Insurance Cover Friends Driving My Car?

Posted on by agentinsure

What happens when your teenager, friend, or other family borrow your car to run some errands? You probably through the car keys at them and wish them a nice ride. However, have you ever take a minute to think about what might happen if they are involved in an accident while riding your vehicle? Will your insurance policy from San Marcos Insurance Group cover them? Therefore, before you blindly allow other people to drive your car, it is good to think about the other issues involved. Knowing what your auto insurance will cover and what it won’t cover is critical when it comes to friends or family members driving your vehicle.

Does My Car Insurance Cover Other People?

Car owners in Chandler, AZ commonly ask this question, and it is a genuine question that requires explanation. To better understand this query, you need to understand the various types of auto policies and what they cover. While some insurance policies cover the driver, others are specifically meant to cover the vehicle.

In general, your car insurance policy will cover the vehicle and not the driver. However, there will always be exceptions to cover the driver as well. If the driver you are lending your car is licensed and insured, he/she might be covered by your or his/her insurance policy. Typically, the liability coverage covers only you and no one else. The good thing about liability coverage is that it will still cover you when you drive other people’s cars. The opposite is also true. This means that if your friend has liability coverage and they get behind the wheels of your vehicle, they will still be covered.

The collision and comprehensive coverage will always cover your car in Chandler, AZ no matter who was driving it at the time of the accident. These two types of policies are usually linked to your vehicle and not the driver.

Contact San Marcos Insurance Group today for your auto insurance policy.