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What is Renters Insurance?

Posted by on Feb 5, 2013 in Dangerous Dog Insurance | 0 comments

When you are a renter, you are responsible for your own personal property (your stuff) and your liability.

PERSONAL PROPERTY

If there was ever an incident (like a fire) and the place you are renting is damaged, the landlord has their own policy to repair damage to the property.  But, if your personal property is damaged, you will need your own policy. Renters Insurance can step in to compensate you for damaged items.

Here are a few examples about how Renters Insurance covers your personal property.

  1. You come home from a vacation and notice someone broke into your house and stole a bunch of your stuff. Renters Insurance covers theft.
  2. A fire burns your home and many of your items are damaged.  Renters Insurance covers damage from fires and smoke.
  3. A pipe bursts and floods your house. Your furniture and other items are damaged by water. Renters Insurance can help pay for your furniture.

The best thing about Renters Insurance is that it follows you everywhere you go. So, if you are on vacation and your luggage is stolen or someone breaks into your car and steals your personal belongings, Renters Insurance will cover you.

LIABILITY

Liability covers your unintentional or accidental actions towards others.

Here are a few examples about how Renters Insurance covers your liability.

  1. You are playing baseball and you hit a ball which accidentally hits a car and breaks a window and/or causes a dent.
  2. You are pushing a shopping cart at the grocery store and accidentally bump into an older person. They fall over and break a hip. Your Renters Insurance helps cover the medical expenses, loss of wages and attorney fees for this person.
  3. You have a dog and it jumps on someone and causes them to fall back and hit their head on the pavement. This doesn’t seem like a major accident, but we have seen medical bills for an incident like this reach up to $30,000. Renters insurance also covers you if your dog bites someone or another animal (as long as you don’t command the animal to bite). Keep in mind not all Renters Insurance covers all dog breeds. Most insurance companies have a list of “dangerous” or “blacklisted” breeds. If you own one of these dogs, they are most likely NOT covered by your Renters insurance.  Erock Insurance can help you find a Renters Insurance policy that includes coverage for all dog breeds under the liability portion of the policy so long as you are a responsible dog owner. This is not a dog liability only policy. Your dog will be covered under the liability section of the renters insurance as they are part of your family.
  4. You leave a stove on or a bathtub running and there is either a fire or water damage to the place you are renting. You are responsible for the damage caused to your home and the surrounding units.

Erock Insurance wants to make sure you, your family and your pets are properly insured.   Click the Get A Quote button and we can provide you with a quote upon request.

Pit Bull Friendly and Dog Liability Insurance California

Posted by on Oct 28, 2012 in Dangerous Dog Insurance | 0 comments

california dog liability insurance eROCK Insurance offers dog liability insurance in California for all dog breeds.  

 

We provide responsible dog owners liability insurance even if an insurance company labels their canine family member is labeled as a “dangerous” or “blacklisted breed.”  This usually includes Pit Bulls, Staffordshire Terriers, Dobermans, Rottweilers, German Shephards, Chows, Great Danes, Huskies…etc.

 

Remember, your dog doesn’t have to have a bite history or be aggressive to still be considered “dangerous” by an insurance company.  Insurance carriers give dogs these labels based on breed alone.

 

eROCK looks at each dog as an individual, not by it’s breed. fast dog insurance

 

We strongly believe all dog owners (regardless of breed) should carry some liability insurance to cover their dog.  The average cost of a dog claim is about $25,000 and without insurance, you may have to come out of pocket for thousands of dollars to pay for someone’s medical bills, lost wages and attorney fees.  Why take this chance when you can carry canine liability insurance?   

 

With pit bull friendly insurance or dog liability insurance in California, the insurance company is obligated to defend you and your dog if you are sued by someone for the actions of your dog.

 

Even if your dog has been declared as dangerous or vicious, eROCK has options.

 

Whether you are a home owner with homeowners insurance or a renter with renters insurance, you are required to disclose your dog’s breed to your insurance provider/agent.  If you own a dog on the insurance company’s “dangerous” or “blacklisted” list, your insurance provider may decline your policy or exclude coverage for your dog. 

 

Without the right California dog liability insurance policy, YOU will have to pay for all legal and medical expenses if your dog bites, causes bodily injury or damages someone’s property.

 

Don’t assume your California home insurance or renters insurance includes coverage for your dog.  Make sure you and your canine companion are covered.

 

For more information on pit bull friendly insurance and dog liability insurance in California, visit http://dog-liability-insurance.com/ and click the GET A QUOTE button. 

 

California Dog Liability Insurance

Posted by on Oct 24, 2012 in Dangerous Dog Insurance | 0 comments

pit bull home insurance eROCK Insurance offers California Dog Liability Insurance.  We provide great coverage at affordable prices. Usually we can get you a policy that day! 

 

California Dog Liability Insurance (also known as canine liability insurance or pit bull insurance) can pay for damage your dog does to other people or their animals.  It can also cover damage to other people’s property.

 

eROCK thinks California dog owners of all breeds should carry some insurance to cover the unintentional actions of their dog(s). 

 

Did you know that 33% of home insurance claims involve dogs?  With so many dog claims, many insurance companies have re-considered which dog breeds they will and won’t cover.  Even if your dog has been thru obedience training and/or has a Canine Good Citizen certificate, many insurance carriers won’t cover any type of dog liability coverage on your home or renters insurance.

 

As you read this, you may be saying to yourself, “my dog is the biggest baby and would never hurt anyone.”    Keep in mind, not all claims are because a dog bites.  Dogs can scare people and cause them to trip, jump up on people and cause them to lose their balance, you can trip over a dog or dog’s leash, your dog can accidentally hurt another dog while playing…and many more.

 

Has your current home or renters insurance company cancelled you because of your dog?  No problem.  We can help you cover your house and your dog.

 

Contact eROCK Insurance today for an estimate for California Dog Liability Insurance.

Visit us at http://dog-liability-insurance.com/ and hit the red GET A QUOTE button.

 

With the average dog liability claim paying out $25,000, you don’t want to be caught without the right coverage.

California Dangerous Dog & Canine Liability Insurance

Posted by on Oct 21, 2012 in Dangerous Dog Insurance | 0 comments

 

eROCK Insurance provides dog parents California Dangerous Dog and Canine Liability Insurance.  Yes, even if you have a Pit Bull, Staffordshire Terrier, Doberman or Rottweiler, we can help you!  dog liability insurance

 

eROCK Insurance doesn’t breed discriminate and label all dogs of a certain breed “dangerous” or “vicious.”  We look at each dog on a case-by-case basis.

 

As a California dog owner, you are responsible for your dog whether you at home or away from home (on or off premises).  Any dog, regardless of breed, can bite, cause physical damage or cause damage to property.  Ironically, most of our dog claims have been with small dogs and not the so called “dangerous breeds.”

 

What does California Dog and Canine Liability Insurance Cover?

-       Medical expenses and bills for a person or other animal/dog (not your own dog).

-       Legal fees.

-       Loss of income if the injured person can’t work.

-       Plastic surgery if the person that has been bit requires it.

-       Compensation if your dog(s) damage another person’s property.

 

Did you know that if a dog bites someone under 18 years old, that person can file a claim against you until they turn 18.  So, if your dog bites or hurts a 5 year old, they can file a claim against you for 13 years (even if your dog has already passed away)!

 

To get an estimate for California Dog and Canine Liability Insurance, visit http://dog-liability-insurance.com/ and click the GET A QUOTE button. 

California Pit Bull Friendly Dog Liability Insurance

Posted by on Oct 18, 2012 in Dangerous Dog Insurance | 0 comments

eROCK is here to help you with California Pit Bull Friendly Dog Liability Insurance.  pit bull friendly insurance california

 

We love all dog breeds and are here to help responsible owners with California dog liability and pit bull friendly insurance.

 

 

Why do you need California Dog Liability Insurance?

-       You want to be responsible and carry the right policy to cover your pooch(s).

-       Your home insurance doesn’t cover your dog’s breed.

-       Your home insurance is being cancelled because of your dog’s breed or because of a dog claim.

-       You are having trouble finding a place to rent because you have a Pit Bull, Staffordshire Terrier, Bull Terrier, Rottweiler, Akita, German Shepherd, Doberman, or any other dog breed.

-       Your dog has been deemed dangerous, potentially dangerous or a public nuisance.

-       Your dog has bit another animal, dog or person.

 

Whatever the reason may be, eROCK can help.

 

 

What does Dog Liability and Pit Bull Friendly California Insurance Cover?

These policies cover the unintentional actions done by your dog that cause bodily injury, harm or mental distress to:

- other people

- other animals

 

California Dog Liability insurance also covers personal property or person belongings owned by other people (not including the place you are renting).

 

For more information, please visit http://dog-liability-insurance.com/.  Click the GET A QUOTE button and we’ll get back to you asap.

 

We offer flexible payment plans and great California Dog Liability coverage!

 

Dog Liability Insurance in California

Posted by on Oct 17, 2012 in Dangerous Dog Insurance | 0 comments

Looking for dog liability insurance in California?  Look no further!!!  california pit bull insurance

 

eROCK Insurance offers dog liability insurance in California.  We LOVE dogs and owners that want to do what’s in their dog’s best interest.

 

Dog liability insurance covers your dog if they hurt someone, harm another dog/animal or cause bodily injury. 

 

Dog liability insurance also covers damage your dog causes to other people’s property.  If you are a renter, please know dog liability insurance doesn’t cover damage to the place you are renting.  This is why your landlord has you pay a pet deposit. 

 

If you are having trouble finding a place to rent because of your Pit Bull (or any other dog breed) or you are closing escrow and can’t find a home insurance policy because of your dog’s breed, we are here to help! 

 

For more information on Pit Bull Friendly Insurance and dog liability insurance in California, check out http://dog-liability-insurance.com/ .

 

We are able to help owners of all dog breeds including:

- Staffordshire Terriers

- Dobermans

- Rottweilers

- Bull Terriers

- Chows

- Presa Canarios

- Akitas

- German Shepherds

- Huskies

- Great Danes

- and any other breed.

 

Many people ask, “Is dog liability insurance the same as pet health insurance?”  No, it’s not.  Dog liability insurance in California covers the actions of your dog and compensates the injured person (or animal) for medical bills, attorney fees, lost wages, pain/suffering and post-traumatic stress from the incident.

 

eROCK insurance understands finding dog liability insurance can be stressful.  We will provide you with a quote as quickly as possible at a competitive rate.

 

Click the GET A QUOTE button today.

Dog Liability Insurance

Posted by on Jul 19, 2012 in Dangerous Dog Insurance, Dog Bite Liability, Insurance For Dog Bites | 0 comments

Visit Erock’s website to get more information about California Dog Friendly Insurance. Learn more about coverage for your dog on our website. dog bite insurance

http://dog-liability-insurance.com/

Dog liablity for all dog breeds, dangerous dogs, vicious dogs, Pit Bulls, Dobermans, Chows, Shepherds, Akitas, Staffordshire Terriers…and more.

Policies help dogs get out of Animal Control and back home with their families.

Coverage for bites, bodily injury, medical expenses and property damage to others.

Renters looking for a place to rent with a Pit Bull may have a better chance if their pit bull has liability coverage.

Get policies the same day!

Dog Liability Insurance in California

Posted by on Jul 19, 2012 in Dangerous Dog Insurance, Dog Bite Liability, Insurance For Dog Bites | 0 comments

pit bull insurance Erock Insurance can help you with Dog Liability Insurance in California. There are many breeds that insurance companies consider to be “dangerous dogs,” even if the dog hasn’t bit anyone, anything or shown any signs of being dangerous.

 

Most insurance companies will either exclude certain dog breeds from homeowners, renters, condo, landlord and liability policies or they will just decline you a policy.

 

These breeds are known as being “aggressive” or “dangerous” by most insurance companies:

Pit Bulls, Staffordshire Terriers, Doberman Pinchers, Rottweilers, German Shepherds, Chow Chows, Huskies, Bull Mastiffs, Presa Canarios and Akitas.  Sometimes Boxers, Bull Terriers, Dalmations and other breeds are also on this list.  These types of dogs are also known as the “blacklisted breeds” in the world of insurance.

 

If you currently have California home, townhome, landlord or renters insurance, you’ll want to look in the EXCLUSIONS section of your policy and see if specific dog breeds are listed of if you policy has an animal exclusion.

 

Even if your dog’s breed isn’t found on the “dangerous” or “blacklisted breed” list, as a California resident, you are responsible for your dog or dogs.

 

This could include:

-      A dog bite.

-      Your dog scares someone causing them to get hurt.

-      Your dog jumps on someone and they fall over.

-      Your dog gets in a fight with another dog and hurts them (or a person that gets bit while trying to break up a dog fight).

-      A landlord asks you to have dog liability insurance to rent their property.

 

A California dog liability policy pays for the “victim’s” legal expenses, medical bills, property damages, income for not being able to work and more.

 

If you would like a California dog liability insurance quote, go to our website at http://dog-liability-insurance.com/ and select the ret GET A QUOTE button.

Erock Insurance can help you with:

Dog Liability Insurance in:

Los Angeles, Sacramento, San Diego, Bakersfield, San Jose San Francisco, Riverside, Pasadena, San Bernadino, Huntington Beach, Laguna Beach, San Marcos, San Elijo Hills, Newport Beach, Irvine, Anaheim, Santa Barbara, Beverly Hills, Manhattan Beach, Redondo Beach, Carmel, Palo Alto, Napa …and many more California cities and counties.

SPAY, NEUTER AND FIX YOUR PIT BULL

Posted by on Jul 17, 2011 in Insurance For Dog Bites | 0 comments

 

Did you know that over 1 Million Pit Bulls get put down each year due to over populated shelters?  If you walk up and down the stalls of most shelters, about 70% of the dogs are Pit Bulls or Pit Mixes.  How does this happen?

 

We often hear of so many back yard breeders that think it’s cool to breed Pit Bulls and sell puppies.  These back yard breeders are usually very irresponsible and don’t care where the dogs go.  These dogs could go to dog fighters, be used as bait dogs, placed in homes where they are abused/neglected…..ect.  Often, backyard breeders won’t take a dog back if the owner doesn’t want the dog or are told by a landlord they can’t have a Pit Bull. 

 

Another one of our favorites is hearing people say, “we just want her/him to have one litter.”  These “one litter” people seem to think it will be so fun to give puppies to friends/family.  Unfortunately, once the puppies are born, friends and family no longer want the puppies.  The fun “one litter” idea soon becomes a major headache and these innocent puppies are often sent to local shelters.

 

Why is it so important to SPAY or FIX your female Pit Bull (or any other dog breed):

 If spayed, female dogs will live longer.

It’s best to spay your dog before her first heat.  By doing this, you prevent your dog from uterine infections and breast cancer (fatal in about 50% of dogs).
A spayed female will not go into heat or get her period which can get all over the house. 

 

Why is it so important to NEUTER or FIX your male Pit Bull (or any other dog breed):

 

Neutering a male dog can result in major health benefits.
If done before six months of age, neutering you dog can prevent testicular cancer.

 

Your dog will be less likely to run away or be destructive.
An unneutered male is always on the lookout for a female to mate with.  They will go so far as to jump fences, dig holes under fences, break fences or bolt out of the house if a door is accidentally left open.   One he escapes, he may start fights with other male dogs or get hit by a car. 

 

Unaltered males also like to be dominant and claim their territory.  They will show dominance by peeing all over the house to mark their scent.

 

Many aggression problems can be avoided by early neutering.

Nearly 1/3 of all home claims are dog related and costing insurance companies a lot of money.  A majority of these claims are with unneutered male dogs. 

 

Spaying or neutering will NOT make your pet fat or change your dog’s personality.

 

It’s Much Cheaper to SPAY, NEUTER or FIX your dog.
The cost of your pet’s spay/neuter surgery is a lot less than the cost of having and caring for a litter of puppies.  Th ASPCA is celebrating a 1 year anniversary of their no-cost spay/neuter Pit Bull Program.  Go to http://www.aspca.org/News/National/National-News-Detail.aspx?NDate=20110715&NType=National#News1 to see about the program in your neighborhood.  You can also do an internet search for “low cost spay and neuter” or search for “SNAP” which is a non-profit spay and neuter program.

 

Another reason why it’s cheaper to spay or neuter your dog is because your dog will be less likely to get in fights with other dogs or bite people.  We have seen dog bite claims go as high as $500,000.  Do you have $500,000 lying around to pay for a dog bite?

 

Erock Insurance provides liability insurance for your Pit Bull, liability insurance for your Rottweiler, liability insurance for your Doberman, liability insurance for your Chow, liability insurance for your Akita, liability insurance for your Staffordshire Terrier, liability insurance for your German Shepherd and liability insurance for any breed. 

 

Erock Insurance provides insurance for dangerous dogs and liability insurance for potentially dangerous dogs and will help get your dog out of quarantine. 

 Visit Erock at www.dog-liability-insurance.com.

 

Dog Liability Insurance For Your Rottweiler

Posted by on Jun 10, 2011 in Insurance For Dog Bites | 2 comments

Erock Insurance can help you with dog liability insurance to cover your Rottweiler.

 

Whether you rent or own your home, Rottweiler owners are legally accountable for the unintentional actions of their dogs. 

 

In the event your Rottweiler causes an injury to another person, dog or animal, you are responsible for reimbursing the injured party for medical expenses, legal expenses, time off work, property damage, etc.

 

As a responsible Rottweiler owner, Erock Insurance can provide you with liability insurance to cover your Rottweiler.  For an estimate, please visit http://dog-liability-insurance.com/.

 

We do not believe Rottweilers to be “dangerous.”  Rottweilers are usually intelligent, friendly, powerful, active and like Pit Bulls (and other Bully Breeds), have selective listening. 

 

Contact Erock Insurance for home, renter or liability insurance to cover your Rottweiler.