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An individual’s home insurance rates may increase if they own pets. Some insurance companies are now requiring proof of pet breed, especially if they own a dog breed deemed “aggressive” or an exotic animal.
Some agents and companies may even ask for pictures of the pets in order to finalize a rate.
One way is to fight against this is to have a dog declared a “canine good citizen.”
Started in 1989, the American Kennel Club’s Canine Good Citizen program focuses on teaching dogs to be well behaved at home and in the community.
CGC’s motto, “Responsible Owners, Well-Mannered Dogs,” says it all. In CGC, dogs are trained and then take a 10-step test to earn the Canine Good Citizen certificate. AKC-approved CGC evaluators administer the CGC test.
AKC has partnered with The Hartford Insurance Company, which now offers policies for homeowners whose dogs carry the CGC label. Hartford will offer both auto and home insurance to AKC dog owners.
“We are proud to align with AKC, a well-respected organization dedicated to responsible dog ownership,” said Andy Napoli, president of consumer markets at The Hartford.
The Hartford will offer the program to owners of all AKC registered dogs, purebred or not. Owners with breeds historically ineligible for coverage may be eligible if they meet specific conditions demonstrating obedience and responsible dog ownership.
This includes passing the AKC Canine Good Citizen test. Nearly 40 percent of U.S. households own dogs and taking the AKC Canine Good Citizen test has become one of the most popular programs offered by the AKC.
Each year more than 40,000 dogs take the test nationwide. And now Los Alamos dog owners can have that same opportunity. CGC classes begin Tuesday and will continue for eight weeks. The CGC test will be administered in the eighth week.
Dog owners do not have to take the class to take the test, but information about when and where the test will be held will be announced in the class.
Dogs do not have to be purebred to obtain this certification. The cost for the class is $90 and includes a textbook and the CGC exam.
The test can be taken without the class for $10. The time, date and place will be announced at a later date.
The Hartford Insurance program was effective as of Jan.1, 2011. Information about the CGC class is available from Marcia Lucas, 672-3841.