My wife and I recently purchased a new home and when I called around to get some home insurance quotes, I was surprised at some of the questions they asked me about the house.
Obviously they wanted to know what kind of materials the home is built of and how close it is to the nearest fire station. But there were a few questions that I wasn’t expecting, and your answers to the questions below might just force you to pay a higher premium for coverage.
Do You Have a Dog?
Not all dogs will cause your insurance premiums to increase, but if you own a Pit Bull, German Shepherd, Rottweiler, Doberman, Chow Chow, or Akita you can expect to pay a higher premium. Some insurance companies won’t insure you at all if you own one of these breeds.
Does the House Have a Flat Roof?
Flat roof repairs are more expensive than pitched roofs’ are so they also cost more to insure. Another issue is that flat roofs may have poor drainage and if they allow water to sit on the roof it could seep in and cause interior damage.
Is There a Trampoline in Your Yard?
I was a bit surprised when the insurance agent asked that question but when I thought about it I realized it made a good deal of sense. Trampolines can be a accident waiting to happen and if someone injures themselves on your property you can easily be facing a lawsuit.
Do You Have a Pool?
Pools are another potential liability that will send your insurance premiums through the roof. Obviously t here is the risk that someone could fall in and either injure themselves or drown. But there’s also the change that the pool itself could be damaged and all that water can do a lot of damage to your home too.
I guess the worst case scenario would be if your German Shepherd fell from your flat roof, bounced off the trampoline, and landed on someone who was swimming in your pool.