Florida homeowners insurance against dogs

Everything you need to know about your Florida homeowner’s insurance policy and dogs

Long considered to be man’s best friend, most are shocked to learn that there are policies out there for Florida homeowners insurance against dogs that can really put you in a compromising position if a dog attacks someone on your property – policies that you may not fully be aware of even if you’ve already “signed on the dotted line”.

Most of these policies revolve around a very specific dog breeds and very specific dog “attacks”, but as a homeowner and a dog owner (or someone that owns a home where dogs are prevalent in the neighborhood) you’ll want to make sure that you understand the key pieces of information about your homeowner’s insurance policy before moving forward.

Some quick statistics concerning dog bites

Before we dive into the specifics of these types of policies, it’s critical that you understand some key statistics regarding dog bites.

According to information published annually:

  • Americans suffer about 4.7 million dog bites each year
  • Over 60% of all dog bite instances involve children
  • Across all visits to an emergency room involving children, dog bites are the second most common injury
  • Two breeds (rottweilers and pitbulls) are responsible for over 50% of all dog attacks

What to expect when looking for Florida homeowners insurance against dogs

The first thing that you should expect when looking for Florida homeowners insurance if you own a dog breed that is considered to be dangerous (by the legal definition) is that your premium is going to go up – sometimes considerably.

At the same time, there may be clauses in your homeowners insurance policy that you weren’t even aware of and that speak directly about the dogs you can and cannot own while having a particular type of coverage.

This is definitely something that you’re going to want to research thoroughly for you sign of the duct line or purchase a new dog, as the last thing you want to do is discover that your home worth insurance is no longer valid because of any animal that you’ve taken into your home.

How to figure out whether a dog is considered dangerous (legally) or not

Different states (sometimes different countries) have different rules, regulations, and laws of the determine whether or not a particular breed of dog is considered to be dangerous, but the legal definition of that is accepted is that they are “animals that exhibit extremely aggressive behavior towards humans or other domesticated pets and need to be confined to prevent injury”.

Obviously, this is new exactly the clearest definition the world, but you’ll want to check with a lawyer or animal control specialist in your county to verify whether or not a dog breed that you own is considered to be dangerous to the legal definition.

Finding the right Florida homeowners insurance against dogs for your particular situation

It shouldn’t be all that difficult to find the right homeowners insurance for the dog that you own with just a little bit of online searching websites or maybe even calling around to different offices. Most insurers are willing to offer you the kind of homeowners insurance you were looking for initially, but the prices may be increased a bit.

How to find the perfect Florida auto insurance policy

Shopping for auto insurance Florida can be pretty easy with FloridaInsuranceQuotes.net, even if you are looking for the absolute perfect Florida auto insurance policy you need and deserve.

Unfortunately, too terribly many people out there have had negative experiences shopping for the automobile insurance they require – and very few will believe that it can be as simple as one, two, three moving forward!

Hopefully, you’ll use the inside information below to simplify and streamline the process dramatically, ending up with the perfect Florida auto insurance policy for your specific needs and budget.

Know absolutely everything about your vehicle ahead of time

Until you know absolutely everything about your vehicle (I mean absolutely everything), you’re never really going to be able to find the perfect Florida auto insurance policy for your specific situation.

Obviously, you’ll need to know the make and model of your vehicle, but you’ll also need to know:

  • Exactly how old your car or automobile is
  • What types of damage the vehicle is carried
  • What levels of maintenance are required to keep the vehicle running on a regular basis
  • Exactly what the automobile is worth
  • And whether or not there is a note on the vehicle

All of these details will play a critical role in determining exactly what kind of Florida auto insurance you need, how much money you’re going to need to pay, in which company you should decide to proceed forward with.

Research at least three different Florida auto insurance companies

You also need to avoid the “rookie mistake” of moving forward with the first Florida auto insurance company that strikes your attention, or the first Florida auto insurance company that promises you the moon and the stars when it comes to coverage at a ridiculously rock-bottom price tag.

Even if the deal seems like the steel of the century, you’re still going to want to research and compare at least three different Florida auto insurance companies (ideally five, if you have the time and energy) to make sure that you aren’t walking away from even better deals.

The Internet is going to be your best friend during this research process, and you can do much of it from your back bedroom in your pajamas with just a few minutes each and every single day!

Interview each and every one of them, playing one off of the other

Lastly, you’re going to want to compare each and every one of the three Florida auto insurance companies view have found against one another – making them completely and totally aware of the fact that you are doing so.

Playing one off of another is going to provide you with a tremendous amount of negotiation leverage to getting the best coverage at the best price. It’s also important that you realize that everything (EVERYTHING) and that these companies provide – including the price – is 100% negotiable, regardless of what you may have heard in the past.

Stick to your guns, outline exactly what you want and how much you’re willing to pay, and don’t be all too surprised when you get everything you need from your Florida auto insurance company!

UPC Insurance: A Better Alternative

Facts About UPC


UPC Insurance from FloridaInsuranceQuotes.net specializes in residential property insurance, as well as food insurance. Founded in April of 1999, this company has remained intently dedicated to serving their clients with quality and exemplary products. Its headquarters are currently located in St. Petersburg, Florida, and its respectable staff has a keen expertise in properties that are exposed to extensive damage and catastrophes. Company locations include the state of Florida, Massachusetts, Rhode Island, North Carolina, and South Carolina. With a total of 4,648 and 141,195 current policies, this agency can surely serve your individual insurance needs. UPC distinguishes itself with a unique and commendable brand image, which integrates the concepts of conservative underwiring, superb customer service, financial stability and viability, innovation, and responsiveness.


Why Insurance?


This company recognizes the chief importance that insurance plays in the scope of everyday life. Insurance is a sound investment in the value of your most treasured assets and items. Whenever you purchase any possession or asset, there is a statistical probability that it will incur physical or electrical damage. When this occurs, you become the unlikely subject of a taxing financial loss, one that may require a greater investment than what you initially shelled out. The risk increases as the asset values increases, as well. If you own a $500,000 property, it is highly unlikely that your disposable income will easily accommodate the cost if you somehow lose that asset. Insurance also has the potential to protect you from legal liability, especially if someone experiences an injury on your property.



In order to fully grasp the significance and pragmatism of insurance, you must understand its applications to your life, as well as how it functions. Insurance is designed to mitigate financial losses, even when a piece of property is lost or damaged. Owning a home invites many risks, including the damages associated with a fire, flood, are far worse natural disasters. In essence, insurance decreases the amount of financial turmoil you will experience if you lose or damage your personal property. For this reason, homeowner’s insurance is a viable investment that can protect your most prized asset, even in the face of disaster.


Why us?


You may be wondering why you should select us, instead of your competitors. Perhaps you are familiar with the timeless adage, “you get what you pay for”. As it turns out, this timeless quote is true. There is a sizable difference between a suspiciously cheap service, and an affordable service that promises quality. Accordingly, the insurance plan that you choose must help preserve the value of your most prized possessions. Do not be wheedled into the assumption that the cheapest insurance rates are the most favorable. Many such insurance providers fail to adequately cover the entire scope of your individual needs.


Another factor that you should consider is that of reliability. Companies that offer the cheapest rates often suffer a dearth of funds after devastating occurrences, and fail to fully cover the costs associated with damages on an insurance holder’s property. For this reason, their business fails, leaving you in a rut of financial turmoil. So, choose smartly, choose UPC Insurance.