Posts Tagged ‘affect’

Will Owning a Dog Affect Your Home Insurance Policy?

Article by Diane Frost

Owning a dog could affect your ability to obtain home, condo or renter’s insurance, regardless of how sweet or calm that your dog may be. You may end up paying more for your policy or the insurance company may cancel or not renew your policy due to the fact that some insurance companies are not very enthusiastic about insuring certain breeds of dogs.

Dog’s and Home InsuranceBefore making a final decision about getting a dog it may be a good idea to check with your insurance provider to see if it will have any effect upon your policy. Additionally, if you already have a dog and are looking for home, condo or renter’s insurance, you should be sure to disclose this information to your agent or broker in order to make sure that you will have the proper coverage in the event of a dog bite.

Some states have existing and/or pending legislation to prohibit insurance companies from refusing to insure or discriminating against people that own certain breeds of dogs. As of December, 2008, the State of New York has 5 bills pending to restrict insurance companies from not renewing or cancelling policies as result of dog ownership. The American Kennel Club has a page on their site that lists states with pending legislation along with a brief description of the bills.

If you have a dog and are looking to find home, condo or renter’s insurance here are a few tips:

Be sure to contact the insurance department of your state. They will provide you with a listing of all insurance companies licensed to provide insurance in your state. After acquiring this list, you will be able to contact some of the insurance companies to find out their guidelines on dog ownership. In the event that the insurance company’s guidelines appear too restrictive for you on the topic of dogs, you may contact the insurance department to confirm and/or report the insurance company.

If it is not against the law and you find it unfair, do not hesitate to contact your state representative.

Insurers are re-evaluating coverage’s for homeowners who share their living spaces with certain breeds. Currently in the State of New York, there are a number of companies that will provide home insurance and renters insurance regardless of the type of dog you own. A great starting point to acquire more information on this subject is which does not restrict or surcharge based on dog ownership. The most important point is that you are aware of this issue if you are contemplating purchasing insurance and that you make sure to fully disclose this to your insurance agent so that he/she are able to make sure that you are properly insured and protected in the event of a dog bite.

To find out more about home insurance rates, please call our office or fill out a free New York Home Insurance Quote online.

About the Author

Premier Insurance Services of New York City is a New York Insurance company serving New York. With our 24-hour service, you can always reach a professional who can explain coverage to you. Also, with our multi-line discounts, we can work to save you money on all types of insurance. Please call us today at 212-679-0000 or click above to access one of our online, free insurance quote forms.

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whereby the original author’s information and copyright must be included.

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Factors That Affect Your Vehicle Insurance Premium

Everyone wants to pay less for their insurance especially because insurance is a grudge purchase. We do not want insurance, but we definitely need it so let us look at some factors that influence our car insurance premium and identify ways of lowering it. There are two types of factors; ones we can change and ones we cannot.

Factors We Cannot Change

Age is an important factor in determining vehicle insurance premiums. Statistically young drivers carry a higher risk of having car accidents than their older counterparts. Even if you are a mature young adult you will still be grouped along with the hot-blooded and care-free youth and consequently pay higher insurance premiums.

Statistically women are a lower risk than men when it comes to cars. Danica Patrick might be the exception, but most women do not feel the need for speed and are thus less likely to have accidents and cause less damage when they are in accidents.

If you are married, you are statistically deemed a lower risk by insurance companies. Not many people change their marital status just to get cheaper insurance, so we have lumped this one with the factors you cannot change.


Factors We Can Change

Where you live is a major factor in determining insurance premiums. This factor influences both the probability of having your car stolen and the probability of having accidents. Urban areas high in crime and traffic are dangerous for your beloved vehicle. The suburbs and rural areas are far safer, so you will pay less on your vehicle insurance if you live in these areas. Insurance companies have gathered so much detailed statistical data on theft and accident locations that moving one block away could decrease your insurance premiums dramatically.

Your vehicle itself is a prime factor in determining premiums. The more expensive it is, the more you will pay. The more powerful it is, the more you will pay. The more safety features it has, the less you will pay. Engine size, tracking devices, airbags and even color are factors that influence your premiums. Before you buy a new car, check with an insurance broker how much the vehicle will cost to insure and adjust your choice based on the feedback you receive.

Driving violations and accident history are used by insurers to determine how good of a driver you are. If you frequently get speeding fines or have been arrested for driving under the influence of alcohol then expect to pay almost three times more for your vehicle insurance than other drivers.

Have you maxed out your credit card and have not paid your bills? If you have a bad credit rating then you will end up paying more on your insurance premiums. You are probably wondering how your credit rating has any impact on the risk of you having an accident or having your car stolen. The answer is not much, but it does indicate to insurance companies how likely you are to not pay your premiums or to cancel your policy. Insurance companies spend a lot of money on advertising and administration so they want to make sure that their clients stay with them once they have taken out a policy.

If you are looking for cheaper insurance, see if you can do something about the factors that are under your control and do not stress about the ones that are not.

Stuart Broad is a marketer who works for a number of South African Vehicle Insurance sites. If you are looking for a budget insurance, he recommends trying to get Comprehensive Insurance at InsuranceHound.

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5 Factors that Affect Your California Car Insurance Rate

When you are shopping for California car insurance, you owe it to yourself to know what you are buying and why you are paying a certain amount. There are many different elements that affect your insurance rates, but the top 5 factors that will influence what you pay for California car insurance are:

Driving Record: How safe you are as a driver is one of the most important factors in auto insurance rating. If you have accidents or moving violations in the past 3 years, your insurance will be higher because you are considered a higher risk to the insurance company. On this note, if you have been accident and violation free, you should inquire about safe driving discounts to lower your rates even further.

Age, Gender, and Marital Status: Older drivers are more experienced, and therefore will pay lower insurance premiums. Drivers under the age of 25 are inherently higher risk, as are drivers with less than 5-10 years of experience. Also, men are considered higher risk than women when it comes to driving. Single people are seen as more risky because they stereotypically live ‘fast and free’ while a married driver will be safer simply because they have a spouse and a family to come home to. These are all huge stereotypes, of course, but are demographic factors that are part of your insurance rating. Whether they are accurate assumptions or not, they will affect your rates.


Location: Where you live is going to affect your quotes for California car insurance. For example, a driver living in a crime-prone neighborhood in Los Angeles will have higher insurance rates than a driver living in a rural community far from the city. If you live in a high profile or high crime area, your insurance rates will be higher.

Type of Car: Everyone drives different cars, and some are higher risk than others. A sports car will cost more to ensure than a station wagon, for example. Also, the color of the car and included safety features can affect your rates.

Credit Rating: While this isn’t a huge factor in determining how much you pay for insurance, it does make a difference. People with better credit are seen as more responsible and will therefore get lower insurance rates than drivers with poor credit. Paying your bills might not seem to affect your driving abilities, but it’s the essence of responsibility that insurance companies are looking for.

California Car Insurance excels in providing excellent service, coverage and prices for all your insurance needs. We are dedicated insurance experts in all lines of insurance products. We have over 10 years of insurance experience and provide excellent protection from the nation’s top carriers.

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How Long Will a DUI Affect Your Car Insurance Rates in California?

Article by California Auto Insurance

In California, DUI’s used to remain on your driving history for seven years but that has been lately prolonged to ten years. Although a DUI remains in your driving history for ten years now, the length of time a car insurance company would charge you for the violation differ from company to company. The majority of California car insurance companies would charge you for the DUI for duration of three or five years. When your insurance carrier charges for three years, then your rates would drop at the 1st renewal of your policy following the full three years of your DUI has passed. Many companies might tend to charge for a DUI for over five years but that’s uncommon.

The California Department of motor vehicles in addition demands you to maintain liability insurance with an SR22 filing for a period of three years after getting a DUI to be able to possess a California driver’s license. Your driver’s license is immediately suspended after being found guilty of a DUI and the state requires the completion of a DUI program and SR22 Car Insurance before the reinstatement of your license. When you have completed the DUI course and received SR22 Car Insurance, you could take both to the Department of motor vehicles and have your driving privileges reinstated right after paying a reinstatement fee. Once you have done this, try not to let your insurance to lapse (late payment) because your insurance carrier must file an SR26 with the Department of motor vehicles, letting them know your insurance in not active which will lead to the suspension of your driver’s license once again.

When you require an SR22 but do not own an automobile, you will still require an SR22 to get your license back. You can buy a Non-Owners policy with an SR22 filing. A non-owners insurance coverage in a car insurance policy which will protect you while driving any automobile so long as it isn’t registered to you or any person in your household. How Long Will a DUI Affect Your Auto Insurance Rates in California? How Long Will a DUI Affect Your Auto Insurance Rates in California?

About the Author

California car insurance specializes in educating readers about auto insurance and other subjects relating insurance in general.

Factors that can affect your life insurance premium

Article by Best Deal Insurance

Taking out life insurance is only common sense in an unpredictable world, and is essential if you have loved ones dependant on you. While we all don’t like to think of the worst happening, it can and does, so taking out adequate protection on your life is essential.

Basically a life insurance policy pays out a predetermined sum of money in the case of the death of the insured.

However there are many clauses which can affect and cause the policy to become void should the cause of your death be linked to them. There are also many factors which apply to policies in general regarding premiums and cover.

This is why it is important that you understand what you are covered for and what exclusions apply to your policy. While these can vary there are some common factors:

Not mentioning an illness you already have at the time you take out the policy can have a serious affect on whether your loved ones can make a successful claim. It is essential you always give honest information at the time of taking your policy out and declare any illness you have or have had when applying.

The premium you are quoted when you consider taking out life insurance is dependant on many factors. As an example, how old you are at the time of taking out the policy is a big factor in how much the policy will cost per month as will your height and weight.

Your occupation is also is taken into consideration – the more at risk you are, the higher the premium. Whether or not you are a smoker and the general state of your overall health will also play a deciding factor.

How much you will pay will also depend on the amount of cover you wish to take out and the type of policy you have chosen. Along with this you will be asked questions regarding your lifestyle. Obviously, if your favourite weekend activity is sky diving or a similar high risk sport, then you will be classed as a higher risk and the costlier the cover will be.

Always make sure you know what you are covered for and what you aren’t covered for. Check out the exclusions which will usually be found in the small print and definitely take the time to look a policy over.

About the Author

David Thomson is Chief Executive of, a specialist insurance website dedicated to putting their customers and their needs first. Not only do they ensure that their customers get the best deal when buying life insurance, critical illness and income protection cover, but that they actually understand in full the terms and conditions of the product that they are buying.

Investing in life insurance can be an important asset in your investment portfolio.
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