How having a dog can affect your home insurance.

​A woman was denied an insurance claim because of her dog, this is very sad but not an uncommon situation. Unfortunately this is a classic example of how important it is for the insurance agent to know their customers. 

Here at Zimmer Insurance Group our main focus is to provide the highest level of customer service. We want to help our clients receive the coverage that they need when it matters most.

​The best part about being an independent agency is that we aren’t tied to just one company. We have the option to “shop” around and find the best fit for our customers, who are always first. 

"Our customers trust us to learn about their risks and suggest the best insurance policies for them, if we don’t put them first then we aren’t staying true to our core values"

Our agents take the time to learn about the new coverages or changes to coverages that these companies are offering so we can better serve our clients. Each client we serve has the opportunity to come in and sit with us.

We believe it is important to have these relationships because they build trust. Our clients trust us to recommend the right coverage for their specific risks.

No client is the same and therefore each policy is different to suit the needs of the policyholder.

We realize this and take the time to fully understand what our clients are involved in so we can recommend the right products. 

​The story with the woman being denied states that she was never asked if she owned an animal. You can read the story here. 

This suggests that she wasn’t very close to her insurance agent. Insurance agents are just like lawyers, bankers, doctors and other professionals who provide services to the public.

We learn all there is to know about this industry so YOU don’t have to, and then offer our services to help you understand what is out there and what you need specifically.

​Why wouldn’t you want to have a close relationship with someone so important? 

If this woman and agent had a closer relationship then the agent would have eventually known that the client had a dog which is frequently excluded from insurance policies. The most common breeds are Rottweilers, Chows, Akitas, Pit-Bulls (aka Staffordshire Terriers, American Staffordshire Terriers, American Bulldogs), wolf hybrids or mixes, or hybrids of any of these.

A simple gap in their relationship lead to complete disappointment when she needed his expertise the most.

She trusted him that she would be covered if something devastating happened and it ended up turning into an unfortunate situation. 

Although on the other hand if the woman purposely disclosed that she had the dog from her agent that opens a whole new can of worms... called insurance fraud. 

Our agents find satisfaction knowing that they helped families get the protection and help when they needed it most.

"Our job as agents is to help you understand this industry and help you pick the right options so that if something did happen you wouldn’t be alone. "