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News

Less Well-Known Problems

As different parts of the country are living in the wake of natural disasters, homeowners may be more aware that standard insurance policies don't cover natural disasters such as floods and earthquakes. But less dramatic - and less well known - problems can put even a standard policy out of reach.

Dog bites, for example, account for one-third of homeowners' liability claims, costing insurers $387 million in 2008. As a result, agencies have all but blacklisted homeowners with pitbulls, rottweilers or other dogs included on the U.S. Center for Disease Control and Prevention's list of deadly breeds. But a dog of any breed with a history of biting is likely to send insurers running.