Wednesday, November 30, 2011

A Guide to Choosing the Right Dog Breed for Best Companionship

!±8± A Guide to Choosing the Right Dog Breed for Best Companionship

To bring a dog into the family is a big decision. The right dog can bring your family years of enjoyment and companionship, whereas the "wrong" dog can add misery and annoyance to your life. There are many factors to consider in order to make sure you choose the best dog for your situation.

Your financial standing, lifestyle, size and family type are important considerations to be factored when choosing a specific dog type.

While some breeds may required more attention, some require more exercises than the others, some are more suitable for families with young children, some are more prone to genetic health issues and some may simply required more money to own than others.

There are so many dog breeds out there to choose from and it is the dog owner's responsibility to find out which one is exactly suitable for his lifestyles and way of living. The main reason why dogs are abandoned at shelters is because the dogs do not suit the lifestyle or needs of the owners. The idea of this article is to help you in choosing the right breed of dog to try and reduce the potential issues that could result when the wrong type is chosen.

These are some fundamental considerations before you decide to bring a puppy home:

1. Accommodation - All dogs need some form of exercise in one way or another, but there are significant disparities among breeds. Small breeds tend to adapt better than large breeds to the smaller space available in an apartment. Nevertheless, some larger breeds who are not as active as others can still adapt well.

Factor in how much space you have for a dog, as an apartment or a house with a fenced-in yard determines the type of breed you can get. Having a fenced-in yard will cut down on the time required to walk your dog for bathroom breaks and exercising. All breed will adapt well in this type of setting, but the more active breeds will require more exercises. Giving a dog sufficient exercise is vital to having a good relationship with your dog. Many undesirable behaviors, such as hyperactivity, nuisance barking and destructive behaviors are results of insufficient exercise.

Laws and regulation in the place where you reside also need to be considered. Some landlords do not allow dogs in their rental units at all, while some neighborhoods have strict guidelines regarding the size and the breed of dog that can be owned in that neighborhood.

2. Lifestyle - Dogs are social animals and require time from their owners, some more, some less. If you work long hours, a dog is really not the best pet choice, especially if you live alone. A pet like a cat or fish that require less upkeep may be a better fit for your lifestyle.

While there are dogs that are fine with being left alone for longer periods (Shetland sheepdog, golden retriever and bloodhound), other dogs may undergo separation anxiety and result in undesirable behavioral issues. Do not condemn a social animal such as a dog to a life of fear, and boredom. If you find it difficult not to own a dog for various reasons, employ a dog walker, enroll him into a daycare center or maybe entrust him to your retired neighbor.

3. Family - Make sure that everyone in the family is supportive of a dog. There are dogs with the inclination for aggression and biting so it is less suitable for households with smaller kids. Young ignorant children are likely to irritate the dogs through rough play without knowing what they are doing. Dog breeds that are more patient and tolerant of children is advisable for families with young kids. Herding dogs might not be the best option because of their natural inborn instinct to herd cattle, they are likely to do so with your younger family members. Such innate instincts can result in nipping incidents.

Current pets that are already part of the family must be factored in when deciding on a new dog. The temperament of the new dog needs to be compatible with those of the existing pets to make sure no problems will arise with the new addition. Territorial problems should be expected. They usually clear up within a week or so. It is advisable to give them food separately during the first meetings, as food is a main reason for rivalry in dogs.

4. Financial Obligations - Keeping and raising a dog is a long commitment with recurring expenses. The initial cost will vary depending on the breed and type of dog you select. Perigees are generally are more expensive than mutts no matter where you get them. On the other hand, rescued pedigrees found in animals shelters cost much lesser. It is best to be able to see and meet your potential dog's parents.

Besides the initial cost, you can also visit local pet shops to ascertain the prices of dog supplies. Dog food, collars, leashes, toys, food bowls, crates, and any other supplies you think you need for your dog, and not forgetting your veterinary bills, grooming expenses and even an insurance policy.

It is highly recommended to ask friends who own dogs about their expenses so as to give yourself a good idea of how much you need to commit financially to a dog.

5. Purpose of dog ownership - You should determine your purpose of dog ownership. Do you intend to show, breed or hunt with the dog? Is the dog needed for service, therapy or for companionship only? For dog shows, dogs should meet or even exceed the standards for the particular breed and have necessary documentation for its lineage. For hunting, you will require a good scent or sight-hunting dog. While there are many breeds that are suitable to work as service or therapy dogs, they generally must possess good temperament, keen willingness to learn and good concentration. Knowing the purpose would inevitably help to select the right breed.

6. Size - Dogs are commonly group into three category based on their weight during adulthood. Smaller dogs commonly weight up to 20 pounds, Medium dogs in the region of 20-50 pounds and larger dogs are mostly heavier than 50 pounds.

As a rule of thumb, bigger breeds are unsuitable if you live in a small apartment, or a home with a small or unfenced yard. Nevertheless, this is not the case for all dogs. Some dogs such as golden retrievers actually possess characteristics that make them more suitable than an active schnauzer to apartment living. Natural temperament and activity level are important considerations when choosing a dog.

While smaller dogs generally do not require as much space as larger dogs, caution should be taken with small breeds due to their small and fragile bodies. Smaller dog breeds are more prone to accidents and injuries during play with owners or other dogs, it is because of their small stature. On the other hand, large breeds can unintentionally cause harm to small children when playing. Studies have shown that smaller dogs generally tend to live longer than their larger counterpart by 5 to 8 years.

7. Temperament - Purebreds display well-understood mental temperaments and characteristics to a large extent while mutts are more difficult to determine. It is advised that advise and consultations be sought in choosing a dog with the right nature to suit your life. If you have children, look for dogs with a low tendency to bite and a high tolerance for handling. If it is a guard dog, you want it to be obedient but still able to effectively guard the territory. Over aggressive dogs must not be considered.

In a nutshell, adding a dog to your family is a life changing and long commitment. Think about it seriously before deciding to bring a puppy home. Take the time to choose the best dog breed. By doing so, I'm sure you will get to enjoy and be rewarded many times over by the love, affection and good company that he or she will bring into your life.


A Guide to Choosing the Right Dog Breed for Best Companionship

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Thursday, November 10, 2011

Dogs and Homeowners Insurance - How to Find Breed Friendly Home Insurance

!±8± Dogs and Homeowners Insurance - How to Find Breed Friendly Home Insurance

How will having a dog affect your homeowners insurance rates? What kind of dogs will cause your home insurance rates to increase or even possibly cause you to be ineligible for coverage? Is it possible to find cheap homeowners insurance even with a dog?Across the U.S. owners of certain breeds of dogs are being told by homeowners insurance carriers that they need to give up their dogs or risk having their homeowners insurance policy canceled or not renewed at the end of their contract period.

In most states it is also legal for homeowners insurance companies to charge higher premiums based on the breed of the dog. While there is no standard list of 'high risk' dogs among different insurance carriers, some of the breeds that are most often targeted are Rottweilers, German Shepherds, Doberman Pinschers, Pit Bulls, Huskies, Malamutes, Chow Chows, Great Danes, and Saint Bernards.

With one third of all homeowners liability insurance claims being filed as a result of dog bites, insurance carriers are becoming increasingly reluctant to insure owners who have breeds that statistics have shown to cause the most personal injury. In 2006 insurers spent 35.14 million to cover the costs of dog bites alone.

STATISTICS CONCERNING DOG BITES

- Of all childhood hospital emergency room visits, dog bites rank second as the most common cause of injuries.

- 60% of all dog bites involve children. This includes the family dog as well as dogs not known to the child.

- Annually, the number of Americans that suffer dog bites exceeds 4.7 million.

- Rottweilers and Pit Bulls account for over 50% of all dog attacks. (A male dog is 80% more likely to bite than a female dog.)

- Surveys show that about 40% of households own a dog or dogs, and that the majority of dog bites occur in or near the house where the dog lives.

WHAT CAN I EXPECT TO FIND AMONG VARIOUS HOMEOWNERS INSURANCE COMPANIES IF I'M AN OWNER OF A 'DANGEROUS BREED'?

Some home insurers will have a list of breeds and cross breeds that are banned from coverage and you will not be able to get a homeowners policy from them as long as you own that breed of dog. This is their policy regardless of how long you've owned the dog or how sweet its temperament.

Some insurance carriers will consider dogs on a case by case basis and not automatically ban insuring a dog based on its breed. Their homeowners insurance questionnaire may include questions such as, "Has your dog bitten anyone?" or "Has your dog been trained to bite or attack?" Also, the issue of whether a dog was provoked into biting or attacking may be taken into consideration. If in the past a dog has had an incident of attacking someone unprovoked, most insurers will not offer coverage and in many cases not renew a policy.

Some insurers will offer liability insurance coverage but require higher premiums if you are the owner of a 'high risk' dog. With liability claims sky rocketing in the area of injuries incurred by dog bites and by "dangerous breeds", insurers have increased their premiums to offset the cost in much the same way as homeowners are being required to pay higher premiums in areas where wind has caused so much damage.

Some home insurers will require those seeking a homeowners policy with them to sign a liability waiver for dog bites. All of which means that if the homeowner desires liability coverage for his dog he will have to purchase a separate policy, and of course, that means more money paid out in premiums.

WHAT IS GOING ON IN LEGISLATION CONCERNING "DANGEROUS DOGS"? Laws on dangerous dogs and homeowners insurance differ from state to state. In the state of Illinois Bill, H184 established a definition for "dangerous dogs' and 'vicious' dogs. It also outlines certain requirements for owning these dogs and lays out the penalties for violating these standards. In addition, all dogs are now required to be vaccinated against rabies. Inside the bill H184, certain jurisdiction was also given to county governments that they did not formerly have. This bill now allows counties to require micro chipping dogs, and they are also given the power to require animal and litter registration fees.

In Palos Heights, a city in Cook County, Illinois a micro chipping requirement was put into place. The City Council approved an ordinance that not only required owners with dogs classified as "dangerous" to micro chip their dogs, but in addition they are required to take out a 0,000 liability insurance policy for their pet. Under their definition, a "dangerous dog is one that "Exhibits extremely aggressive menacing behavior toward humans or domestic pets and must be confined to prevent injury or death to human or pets." As a result of this definition, 'dangerous dogs "must be kept in their home or in a secure enclosure. Outside trips are banned, unless a veterinary visit needs to be made. A muzzle is also a requirement for the dog to visit the vet.

On the insurance end, legislation is pending that would prohibit insurers form canceling or denying coverage based solely on the breed of a dog. Several others states, New Jersey, New York, South Carolina, Vermont, and Washington also have similar legislation in the works. Michigan and Pennsylvania already have a law in place that makes it illegal for homeowner insurance companies to deny coverage based on breed.

HOW DO I FIND HOMEOWNERS INSURANCE TO COVER MY DOG?

Call around. This will take some diligence on your part, but there are still some insurance carriers that offer coverage on a case to case basis and do not discriminate against a breed. These would seem to hold to the American Kennel Association position of "Punish the deed, not the breed." Shopping around is key to finding cheap homeowners insurance.

If your dog has completed some kind of obedience training program, make that documentation available to the insurers. If your dog has not participated in an obedience program, as if that would help you obtain liability insurance or even give you a better rate.

Finally, if your dog has less than a stellar dog history, you might have to purchase a separate liability policy to cover your dog.

Whatever you decide to do - be sure that you shop around and compare homeowners insurance quotes from multiple companies. Shopping around is key to not only find the coverage for your pet and home that you need but also to save money in the process.


Dogs and Homeowners Insurance - How to Find Breed Friendly Home Insurance

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