Also several negative incidents on a motor vehicle record can indicate patterns in other areas of life. Homeowner and other types of property coverages also insure you for liability on or off premises. The cost of these claims can be as great as those paid for fire and wind losses. Many companies won't write homeowners coverage if you have more than two horses. In that case you may need a different type of policy or a special endorsement.
Some breeds of dogs present a problem, especially if it has a history of biting.
In that case, or for some other animals such as snakes, the company may just attach an exclusion for liability. You may need this inspection for comprehensive and collision coverage. However if you have been with the same insurance company for four years and have continously carried physical damage coverage for that period of time you may be exempt from the inspection. You also may be exempt if the car you buy has less than 100 miles or the car is over seven years old. Certain types of vehicles and even those over seven years old may require an inspection.