If My Dog Bites a Neighbor On Their Property Am I Covered?

Dogs are considered to be more than just pets by many people, but they also include a level of risk when it comes to how they react to others. If you live in Columbia, IL, leash laws and another city, county, and state ordinances are in place that requires you to maintain control of your dog at all times, even if you are on your own property. The agents of Taake Insurance Agency can discuss liability policies that may protect you from financial loss if your dog gets loose.

Maintain Control of Your Dog

Maintaining control of your dog at all times is a requirement in almost every state. That can mean keeping them on a leash or muzzling them while you have them in public. If your property is not enclosed, you can let them outside on a tie-out leash that will allow them to roam on your property. You need to inspect the tie-out lead frequently to ensure that it is in good condition and can keep your dog secure. Constructing a fence is another way of keeping your dog contained on your own property.

You Are Liable

If your dog leaves your property for any reason (even if it’s an accident), you will be liable for any damage or injuries they may cause. If the dog shows repeated aggressive behaviors, it may need to be euthanized.

At Taake Insurance Agency, the agents serve residents who live in the Columbia, IL area. If you have a dog or are thinking about getting one, call and talk to one of their reputable agents. They will be able to inform you of local laws concerning dog ownership. Schedule an appointment today and speak to an agent so you are fully prepared to bring your new puppy home.

 

When Should I Start Shopping for Homeowner’s Insurance?

Buying a home comes with a long to-do list. Don’t let homeowner’s insurance slip to the bottom.

As you embark on your home buying journey, it’s easy to spend hours creating a wish list, checking school ratings, and crunching numbers to see what you can afford. But it is equally important to know what you’re looking for and how you’ll protect it. 

It’s a good idea to start researching early so that you understand the coverage suggested in the Columbia, IL area. Taake Insurance Agency can help you make sure you have a complete picture of the coverage you’ll need. They’ll also help you understand what you can expect to pay based on the type of home you’re looking to cover.

You’ll find, however, that you can’t get too far in the homeowner’s insurance process until you actually have a home. The type of home you buy, its location, and its value will all affect the coverage you need, so the details will need to be worked out once you’re under contract. As soon as you have a signed and accepted an offer, you can hit the ground running to line up your new policy.

Before you get caught up in paint samples and furniture shopping, make sure your insurance policy is in place to avoid hiccups getting to the closing table. In most cases, your mortgage lender will require you to have a homeowner’s insurance policy before you can close on the home, and without professional, efficient guidance, you could end up with a headache. Taake Insurance Agency is a local agency serving the Columbia, IL area; we’ll help you finalize your coverage in plenty of time.