![]() Insurers worry that large dogs could become liability risks by biting neighbors and visitors to the home. In contrast, MetLife offers no discounts to homeowners with watchdogs. At MetLife, our discounts do go up to the 24 percent range.” No ‘doggie discounts’ on home insurance quotes There are some where the alarm sounds locally and some that are actively monitored or hooked up to signal the police and fire department. “Alarm system credits are very common in the industry, the percentage ranging from 5 percent to as much as 25 percent on your home insurance premium,” Morales says. Many companies offer discounts on home insurance rates when customers install electronic alarms, notes Mario Morales, manager of corporate underwriting for MetLife Auto & Home. The insurance industry is also tilting the scales against Fido through its underwriting practices. “If I had to choose one, I would probably go with the alarm system.” “A dog by itself is good, but a dog with an alarm is much better,” he says. Robert Siciliano, a home-security expert with ADT.com and the owner of a 70-pound German Shepherd, says a well-trained watchdog can be a very effective deterrent to intruders when used in conjunction with an electronic alarm system. The alarm company will never cower away.” Tilting the scale toward alarms A lot of dogs, if they are not Dobermans or German Shepherds that go after strangers, more than likely will cower in a corner. “There are people out there who break into the house and they steal the dog, too. John Delaney, a spokesperson for the police department in Springfield, Mass. “I would say your well-installed alarm probably is better than a dog,” says Sgt. ![]() alarm system come out with alarm ahead due to cost of care for the dog. ![]() Many insurers consider aggressive dogs a liability risk for biting, so some dog breeds can cause home insurance rates to increase.Alarm system credits can range from five to 25% on home insurance premiums, depending on the system.Law enforcement and security professionals favor electronic security systems over man’s best friend. ![]()
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