After something that happened to a friend of a friend two weeks ago, I can understand why keeping reptiles would increase home owners insurance.

I had met a guy through a buddy of mine that breeds burmese pythons. A few weeks ago, I get a call from my friend saying that the guys house burnt to the ground (along with all the snakes and a pet dog). The fire marshal ruled that the fire had started in the guys garage where his herp room was located. They said his electrical equipment most likely shorted(or something like that) and started the fire (sparks and aspen shavings dont mix). That kinda made me paronoid......I almost bought a fire detector for my closet where my snakes are. ....After hearing that, I can see why they might want to charge you more.