Hi everyone, I am new ot this site, but think its the best place to get some answers, other then the ones I have been hearing. We are going to be closing on our house Dec 10th, 2004 and we need homeowners insurance, but every place that we have contacted will not give us insurance because we have Rotts, pitts, and the other so called attack dogs. We live in Oregon, and every place I have contacted said that they will give us insurance, but it will be higher and they wont cover the dogs, just because of their breed....Funny thing is that I told the insurance people that our Black Lab would be the first to ever "attack" someone, and most of them still didnt have a probem with that. I did of course get into a heated debate with a few people. From my point of view its like this: Rottweilers, Pittbulls, and Dobermans that attack are doing so because of their upbringing......but yet they still seem to think its ok to put them to sleep (kill) them because of their breed......so why dont they do that with all the many people who "attack" someone with a gun because of their bad upbringing........so basicly....its not the dog that harms others, its the owner.....same goes with guns as far as I'm concerned. Its NOT the dogs, its the owners......its NOT the guns it the owner! So with that in mind I need to find out if someone can please tell me of an insurance company that will give us homeowners insurance being that we have these so called attack dogs. We dont want the dogs excluded from the policy, after all they are part of our family. Any help would be great!
The best thing I can honestly think to do, is go through the phone book and go down the list. There is bound to be at least one that will do it. If you do find one let us know. We are thinking of moving to Oregon. We live in Washington now. Good Luck!!
well I have apbt's and at times I have up to 10 and insurance was no problem for me except get this, My grandpa is a bee keeper and they called his honey bees exotic pets and then when we explained that they are wild insects and that my grandpa has an agriculture liscence which includes my address on it they had no problem with the bees after that I just thought it was kinda funny that they said nothing about the dogs but about the bees.
My mom had the same problem when i was a kid. We had a dog that was part chow chow. The insurance company wanted to pull the insurance after they found out. My mom got on the phone and after alot of yelling and debating they agreed to come and meet the dog. If it was friendly they wouldnt pull it.
I know this may sound funny, but I have known quite a few people (especially in the BSL ares) that have gotten papers on thier dogs stating that they are another breed. Dog Registry of America and the Continental Kennel club (as well as countless others) will register anything... say your dogs are a mix or make up a breed name. I normally would not advocate any of these registries, but if it can save your dogs from being discriminated against or worse, I feel you should do what you have to do to protect them.
Also, I have heard that having Canine Good Citizen certificates (or equivelent) can also really help with insurance companies. Proving your dogs are well behaved, trained animals can make a big difference.
No matter what you are able to do, I wish you and your canine family good luck!
cettian states they can deny you based on breed, certain states they cannot but they can make you pay more. it depends ont he state regs where you are. i am in pa, and i have allstate; they cant deny me in pa but they couldmak eme pay more if i had certain breeds OR i could opt ot have my homeowners not cover any damages/liabilites.lawsuits as a result of the dog's action. for instance, i'd pay the same premuim, adn of my vicious rottie bit somone and i got sued, it would be on me, not homeowners. but every state is different.
That's very true. Every state is different and I have no idea about where you live. Someone else mention going to an insurance broker. I think that is your best bet. Many years ago I worked for an independant insurance agency and we handled dozens of different companies with different policies on things. They also had carriers that you can't find in the phone book like state Farm and All State.
Good luck and let us know how it goes. Congratulations on your new home.
I don't know about saying your dogs are another breed, at least without some sort of paper backing it up. If liability did come into the picture for some doggy reason, the insurance company wouldn't pay...
I certainly would not register your dogs as another breed.Then, if something ever did happen, they would deny your claim and you would be financially responsible if someone sues you. Just find one that will insure your dog. You may have to pay more money, but that is just the way it is. Same thing with having a pool.... They will automatically charge you more, but if you don't tell them and something happens you will be in trouble.
I used to work in the Insurance industry and I was a underwriter for home insurance. This was a while ago but i do not even recall the issue of dog on the application. What I would suggest is if they dont ask dont tell. Go to the insurance brokers office to fill in the paperwork. Is it now a question on the application form? It used to be that we were only concerned with is the roof new, any water damage and is there a swimming pool.
Unfortunately some breeds are marked because of the media and I guess Insurance Companies are covering their butts?
Try the state farm insurance company as suggested above and let us know.
I moved about a year ago and had to complete some papers for my ins. company. One of the questions is "Do you have any dogs and what is the breed". My agent also came by the house to take pictures so if I would have lied, she would have seen the dogs anyway. My insurance is with State Farm.
Yes, if they ask do not lie only if they dont ask dont offer and play stupid. lol. Well then I guess state farm doesn't look that great anymore either. (shrug) I guess things have changed since working haha its been a while.
Certainly dont lie about what breed of dog you have. Years ago when we has GSD's my parents looked into getting homeowners insurance, they came to asses the house and look ant any pets we had, they covered them for the pets that were seen at he time of the estimate, In eht contract it stated the dogs by name and breed. The agent indicated that if we were to get any more pets we needed to advise them. Good luck! Too much liability to have in insurance.