My husband was shopping for homeowner's insurance today and one company (I will have to get the name from him) asked him if he had any dogs. He said we have 2 American Eskimos and 1 Chow. They told him that they will not provide us with insurance if we have a Chow. OMG! This dog is a Chow mix who thinks he is a beagle. He is almost 5 years old. He is the sweetest dog and has NEVER shown any aggression of any type. He has had obedience classes, been taken to the ballpark for my children's ballgames, and goes to our little county fair every fall for a pet show and to walk around afterward for attention and to show off any ribbons or trophies he wins. He even loves cats. I always say if we ever had a robber, Alex would show him where I keep my jewels as long as he gets petted! I have a stone in my yard that says "Forget the dog....Beware the kids!" This really gets on my nerves. Has anybody else experienced this?
We were told that if we had a GSD that was trained we couldn't have insurance. People are really starting to crack down on what they consider to be the 'aggressive' breeds....wonder when they will add that little nuisance next door to my mother?? (some kind of mean little biting, barking terrier that has NO manners)
I think you misunderstood. I know some companies will not provide liability insurance for people who have GSD, pit bulls, rotts, chows because these dogs have aggressive tendencies not all of course. It might be the owner's fault but that's neither here nor there the insurance company is not willing to take that risk. It can end up costing them thousands if a person does get bitten by the dog. It may never happen but it's too big a risk to take. Insurance companies are businesses they can't afford to make costly mistakes. They will however provide fire and theft insurance. I have GSDs and one company would not provide us with liability because GSD are on the list of dogs that have attacked many people. My dogs are like big babies but that's there rule and I can see why they have them in place.
My sister had a chow mix and learned long ago just to say it was a lab mix (true) because of the insurance thing. If your dog is a mix, just say so and leave it at that. This breed-specific insurance banning is a scam, anyway.
I'd like to see the statistics of how much dog bites cost for homeowner's liability claims by breed. I'll bet by far the most bites are for mixed-breed dogs and the people most bitten are little children who should have been supervised in the first place.
Why don't the insurance companies show us their justification for banning certain breeds? I don't see why they can't just charge larger premiums, the way they do for certain types of cars.
I'll bet you CAN get liability insurance that includes your dog if you shop around. I also bet that you may be able to get a rider on your liability insurance that says dog bites are not covered.
Going without liability insurance for your home is not wise.
www.akc.org has a page on who will insure you with what breeds. some states are not allowed to black list oyu somply because of breed (PA is one) but they can gouge oyu on price. i dont know the w va laws. try the skc webpage, it should tell you who will insure a chow.
It is not discrimination it is statistics. I own a dachshund and should I have to pay higher insurance premiums because Insurance companies are paying out on dog bite claims for breeds that are statistically known to be aggressive. I work for an insurance company so maybe I am the only one who understands. I have worked for several and some will write poilcies with those breeds and some won't. Shop around it is their choice on what risks they want to take.
i have a friend with a JRT that has bitten at least 15-20 people. it bit one of our friends and her thumb is permanently disfigured. i have another friend with a doxie that bites pretty much anything that moves. neither pay higher insureance that i know of. it also has to do with your state insurance commission's rules. PA doesnt have a breed black list, at least last itme i checked with the insurance guy.
when i got homeowners and had to tell them about my dogs, they asked a whole bunch of bite questions. i aksed why, and my insurace guy told me that if a dog has bitten, they look into why and the circumstances before making a rate determination. like, if the dog bit unprovoked, or if it bit after being taunted by a kid. also whether or not the dog is trained for protection, guarding, schutzhund, etc.
there is also the option to insure but exclude your dog. see if they'll do that. you sign something that if he bites someone and they sue its not their problem. a way to get insurance but not pay a fortune.
The JRT and the doxie breeds do not have high satistics for bite cases. That does not mean there are not some that do bite, just not the majority. Plus look at how much damage a doxie can do compared to a pitt for example. The company I am with now had a claim last year that paid out over $100,000 for a rotty that was a childs pet mauling one of the childs friends unprovoked. It had never had any aggressive tendencies before. I work in Texas so I know the rules differ elsewhere. Here in Texas it is up to the company how they handle the dog situation. Some charge more, some won't write at all, some exclude pets, some don't ask until something happens. I also know that some dogs that are part of the statistic are great dogs and are never aggressive at all but insurance companies don't like the risk. I know it sucks but it is something we all have to deal with.
I read over that stuff but couldn't find anything specifically for WV. I will look for insurance elsewhere. I will not go with a company that descriminates against the breed of my dog. I understand people have been bitten by Chows before. Alex has never even growled at anybody. To say he is going to bite someone based on his breed is absurd. I got him at 6 weeks and socialized the dickens out of him. He has had basic obedience classes. There are many insurance companies to choose from. BTW...I have a scar on my leg from my friend's dachshund. It bit me without being provoked in any way. When people go to her house, she has to keep it gated in another room to keep it from biting. No, it wasn't a chow or rott that bit me. It left a scar just the same. Maybe the people keeping the statistics don't see it as important because it was not a Chow, Pit or Rottie.
Yeah a few years ago I was looking for homeowners and they asked me about my dogs. Well, one of my dogs is a dingo/chow mix. I just told them he is a mutt, that way I never even mentioned the chow thing. It's not they will come over and visit.
I told my hubby to say he's a mixed breed from now on. You are right. My dogs are kept inside. The most I've ever seen my insurance company do is come and take pictures of the outside of my house. They did not even come inside. If they do, Alex could be "visiting" his mother for the day. I have absolutely no fear of him ever biting. He's even afraid of bees! I already have to deal with higher insurance because of hubby's need for speed. Maybe I should put hubby in the doghouse!